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Oak Harbor, OH—43449

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$204,000
1.3% YoY Growth
Household Income
$71,500
34.3% YoY Growth
Days on Market
56
10.0% Shorter YoY
Home Price Forecast
1.5%
Median Rent
$8,550
418.2% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
$8,550
418.2% YoY Growth
3-Bed Rent
N/A
N/A
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Oak Harbor, OH

As of Dec '25, the median home price in Oak Harbor, OH is $204,000, with a year-over-year change of 1.3%. This indicates that home prices in Oak Harbor, OH are increasing. According to Zillow, the 1-year price projection is 1.5%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$204,0001.3%
Single Family $215,0000.5%
Condos $128,0004.1%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • $124,000
    4.2%
    2 Bed
    		$183,0002.2%
    3 Bed
    		$234,0000.0%
    4 Bed
    		$263,0001.5%
    5 Bed $282,6841.7%
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    % of Housing Stock

    Studio
    2.6%
    1 Bedroom
    10.3%
    2 Bedrooms
    27.0%
    3 Bedrooms
    42.4%
    4 Bedrooms
    14.6%
    5+ Bedrooms
    3.1%

    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.

    TypeMedian RentAverage Rent
    Average Rent$8,550$8,550
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent $8,550$8,550
    3 Bed Rent N/AN/A
    4 Bed Rent N/AN/A
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    % of Rental Stock

    Studio
    1.4%
    1 Bedroom
    17.2%
    2 Bedrooms
    39.9%
    3 Bedrooms
    31.1%
    4 Bedrooms
    10.4%

    Property Listings — Oak Harbor, OH

    As of Dec '25, Realtor.com reports that the median days on market for a home in Oak Harbor, OH is 46. This is a decrease of -17.0% 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 31.0%, representing a large inventory and a lot of supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$239,00012.0%
    Listing Count
    		24-15.0%
    Listings as % of Homes0.4%-15.0%
    Days on Market
    		56-10.0%
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    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.

    MetricLatest CensusYoY % 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%
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    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

    MetricLatest Census5-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%
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    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

    MetricZip 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%
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    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 SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$750
    2 Bedroom-$7,560$8,550$990
    3 BedroomN/AN/A$1,190
    4 BedroomN/AN/A$1,430

    Affordability — Oak Harbor, OH

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio2.6
    Median Home Price$204,000
    Median Household Income$71,500

    Oak Harbor, OH — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Rocky Ridge

    43458

    Graytown, OH

    43432

    Lindsey, OH

    43442

    Elmore, OH

    43416

    Martin, OH

    43445

    Frequently Asked Questions