Oak Harbor, OH—43449
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oak Harbor, OH
As of Oct '25, the median home price in Oak Harbor, OH is $207,000, with a year-over-year change of 1.6%. This indicates that home prices in Oak Harbor, OH are increasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $207,000 | 1.6% |
| Single Family | $218,000 | 0.9% |
| Condos | $130,000 | 4.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $124,000 | 4.2% |
2 Bed | $185,000 | 2.2% |
3 Bed | $236,000 | 0.4% |
4 Bed | $266,000 | 1.9% |
| 5 Bed | $290,000 | 1.8% |
% of Housing Stock
Rental Trends — Oak Harbor, OH
As of July '25, Rentcast reports the average rent in Oak Harbor, OH is $8,550, with a year-over-year rent change of 418.2%. Per bedroom, the median rent as of July '25 in Oak Harbor, OH is 2-bedrooms: $8,550. The most common rental property sizes in Oak Harbor, OH are 2-bedroom and 3-bedroom, accounting for 39.9% and 31.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $8,550 | $8,550 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $8,550 | $8,550 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oak Harbor, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Oak Harbor, OH is 44. This is a decrease of -14.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 8.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $230,000 | 4.0% |
Listing Count | 24 | -10.0% |
| Listings as % of Homes | 0.4% | -10.0% |
Days on Market | 44 | -14.0% |
Demographics — Oak Harbor, OH
As of the latest ACS Survey released in 2023, Oak Harbor, OH has a population of 8,050, which has decreased by -2.0% over the past 5 years. Oak Harbor, OH is a moderately popular place for families, as children make up 18.6% of the population. The area has a poorly educated workforce, with 23.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,050 | -2.0% |
% Under 18 | 18.6% | -17.0% |
% Seniors | 23.9% | 15.5% |
% WFH | 6.5% | 261.1% |
% w/ College Degree | 23.0% | 27.8% |
As of the latest ACS Survey released in 2023, Oak Harbor, OH is a predominantly white area, with 93.2% of the population identifying as white. The white population has grown by 1.0% in the last 5 years. The second most common race or ethnicity in Oak Harbor, OH is hispanic, making up 4.8% of the population. Foreign-born residents account for 0.5% of the population in Oak Harbor, OH, and this percentage has decreased by 58.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 93.2% | 1.0% |
% Black | 0.0% | -100.0% |
% Hispanic | 4.8% | -4.0% |
% Asian | 0.2% | -50.0% |
% Foreign Born | 0.5% | -58.3% |
Mortgage and Risk — Oak Harbor, OH
According to HUD data as of 2023, there were 128 mortgage originations in Oak Harbor, OH, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Oak Harbor, OH. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 128 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 3.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Oak Harbor, OH
Oak Harbor, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 77 |
Total Units Section 8 | 27 |
% Rentals under Section 8 | 5.3% |
% Occupied Section 8 | 55.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $750 |
| 2 Bedroom | -$7,560 | $8,550 | $990 |
| 3 Bedroom | N/A | N/A | $1,190 |
| 4 Bedroom | N/A | N/A | $1,430 |
Affordability — Oak Harbor, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $207,000 |
| Median Household Income | $71,500 |