What is the cost of living in Oak Harbor, WA?
According to the most recent data on the cost of living, Oak Harbor has an overall cost of living index of 124, which is 1.2x higher than the national index of 100.
Compared to Washington, Oak Harbor has a cost of living index that's 1.0x higher than Washington's index of 120.
The standard of living in Oak Harbor ranks as #65 most affordable out of the 191 places we measured in Washington. By definition, that implies Oak Harbor ranks as the #126 most expensive place in the Evergreen State.
For more reading on life in Oak Harbor, check out:
Oak Harbor Cost Of Living Vs. Washington
Six factors go into calculating the cost of living index in Oak Harbor. Here is how it fares on each of the criteria:
The Services index in Oak Harbor is 109.
The Groceries index in Oak Harbor is 110.
The Health index in Oak Harbor is 158.
The Housing index in Oak Harbor is 108.
The Transportation index in Oak Harbor is 110.
The Utilities index in Oak Harbor is 109.
| Living Expense | Oak Harbor | Washington | National Average |
|---|---|---|---|
| Overall | 124 | 120 | 100 |
| Services | 109 | 108 | 100 |
| Groceries | 110 | 108 | 100 |
| Health | 158 | 137 | 100 |
| Housing | 108 | 111 | 100 |
| Transportation | 110 | 111 | 100 |
| Utilities | 109 | 110 | 100 |
Oak Harbor Cost Of Living Compared To Washington Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Washington, check out:
Protect your home budget Compare home warranties in Oak Harbor Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Oak Harbor, WA Housing Cost Breakdown
Housing swings affordability the most between places in Washington, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Oak Harbor is $528,587.
The Median Rent in Oak Harbor is $1,645.
The Median Income in Oak Harbor is $76,084.
The Home Value To Income in Oak Harbor is 6.9x.
The Rent To Monthly Income in Oak Harbor is 0.26x.
| Statistic | Oak Harbor | Washington | United States |
|---|---|---|---|
| Median Home Value | $528,587 | $601,016 | $332,700 |
| Median Rent | $1,645 | $1,760 | $1,413 |
| Median Income | $76,084 | $98,141 | $80,734 |
| Home Value To Income | 6.9x | 6.1x | 4.1x |
| Rent To Monthly Income | 0.26x | 0.22x | 0.21x |
Oak Harbor, WA Costs By Category
Detailed Oak Harbor Services costs vs. Washington
| Item | Oak Harbor | Washington |
|---|---|---|
| Shampoo | $1.23 | $1.28 |
| Movie | $12.82 | $12.13 |
| Bowling | $18.58 | $18 |
| Haircut | $26.78 | $24.26 |
| Beauty Salon | $67.83 | $45.56 |
Detailed Oak Harbor Groceries costs vs. Washington
| Item | Oak Harbor | Washington |
|---|---|---|
| Ground Beef | $6.76 | $5.84 |
| Fried Chicken | $2.22 | $1.57 |
| Milk | $4.98 | $4.67 |
| Potatoes | $4.43 | $4.93 |
| Pizza | $12.95 | $12.09 |
| Beer | $11.47 | $10.41 |
| Toothpaste | $3.48 | $3.7 |
Detailed Oak Harbor Health costs vs. Washington
| Item | Oak Harbor | Washington |
|---|---|---|
| Optometrist | $187.66 | $125.68 |
| Doctor | $228.42 | $135.78 |
| Dentist | $136.92 | $113.29 |
Detailed Oak Harbor Transportation costs vs. Washington
| Item | Oak Harbor | Washington |
|---|---|---|
| Gasoline | $4.35 | $3.46 |
| Tire Balancing | $87.22 | $59.92 |
Detailed Oak Harbor Utilities costs vs. Washington
| Item | Oak Harbor | Washington |
|---|---|---|
| All Electricity | $153.78 | $193.99 |
| Phone | $202.97 | $192.25 |
Oak Harbor SnackAbility
Cost Of Living In Cities Around Oak Harbor
The cost of living varies in the cities and towns around Oak Harbor. Here's a quick look at the cost of living in the most populous nearby places:
Mount Vernon, WA has a cost of living index of 119, 1.0x Oak Harbor.
Anacortes, WA has a cost of living index of 138, 1.1x Oak Harbor.
Camano, WA has a cost of living index of 140, 1.1x Oak Harbor.
| City | Population | Cost Of Living | Vs. Oak Harbor |
|---|---|---|---|
| Mount Vernon, WA | 35,377 | 119 | 1.0x |
| Anacortes, WA | 17,966 | 138 | 1.1x |
| Camano, WA | 17,303 | 140 | 1.1x |
| Port Townsend, WA | 10,438 | 125 | 1.0x |
| Burlington, WA | 10,003 | 118 | 1.0x |
| Stanwood, WA | 8,373 | 131 | 1.1x |
