PlainZIP

Oak Harbor, WA · standard

ZIP Code 98277

Island County, Washington - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

37,823
259/sq mi
$83,253
Median income
$499,600
Median home value
27.5%
Bachelor's or higher

The verdict

Oak Harbor pairs an above-median household income with upper-quartile home values, in a low-density, mixed-tenure area.

Top 34%
household income, US ZIPs
Top 13%
home value, US ZIPs
259
people per sq mi
60%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98277 against every reporting US ZIP.

ZIP code 98277 is a densely settled ZIP (a standard USPS delivery area) in Oak Harbor, Island County, Washington, with 37,823 residents across 146.3 square miles, a density of 259 people per square mile, in the Los Angeles time zone.

ZIP 98277 lands in the middle-income range, with a median household income of $83,253 (8% below the Washington average), while per-capita income is $39,272. The poverty rate stands at 8.0% and the unemployment rate at 3.7%. The typical home here is valued at $499,600 (2% below the state average); renters pay a median of $1,672 monthly, and 59.7% of units are owner-occupied.

Educational attainment sits below the national norm: 27.5% of adults hold a bachelor's degree or higher, the median age is 34.9, and the average commute is 20 minutes. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Island County, letting you compare 98277 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 98277

Top 5 sectors by establishment count in Oak Harbor, WA

Which industries have the most business establishments in ZIP 98277.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 98277, Oak Harbor, WA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

37,823

Population

146.3

Area (sq mi)

259

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 98277?

34.9

Median Age

49.6%

Male

50.4%

Female

9.6%

Foreign-Born

White 68.2%
African American 2.9%
Asian 7.5%
American Indian or Alaska Native 0.8%
Native Hawaiian or Pacific Islander 0.8%
Two or More Ethnicities 16.8%
Hispanic or Latino 12.9%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$83,253

Median Household Income

-8% vs state

$39,272

Per Capita Income

8.0%

Poverty Rate

3.7%

Unemployment Rate

20.1 min

Mean Commute Time

How ZIP 98277 ranks nationally

Oak Harbor, WA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$83,253 Top 34% higher than 66% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 52.9%
Bachelor's Degree or Higher 27.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

17,882

Total Housing Units

16,142

Occupied Units

1,740

Vacant Units

2.52

Avg Household Size

Occupancy Type

Owner 59.7%
Renter 40.3%

$499,600

Median Home Value

-2% vs state

$1,672

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+4.6%

YoY Change (2024)

316

HPI Index (2000 = 100)

+216%

Total Change Since 2000

Home values in ZIP 98277 have increased 4.6% over the past year (2024). Since 2000, this ZIP has seen +216% cumulative appreciation.

Year Annual Change HPI Index
2020 +7.0% 222
2021 +12.6% 250
2022 +17.2% 293
2023 +3.1% 303
2024 +4.6% 316

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 702 business establishments in ZIP 98277, employing approximately 6,290 people with a combined annual payroll of $266,400,000.

702

Businesses

6,290

Employees

$266.4M

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Construction 111 15.8%
Health care and social assistance 90 12.8%
Retail trade 82 11.7%
Other services (except public administration) 82 11.7%
Accommodation and food services 80 11.4%
Administrative and support and waste management and remediation services 55 7.8%
Real estate and rental and leasing 51 7.3%
Finance and insurance 36 5.1%
Professional, scientific, and technical services 33 4.7%
Arts, entertainment, and recreation 19 2.7%
Manufacturing 15 2.1%
Educational services 12 1.7%
Information 11 1.6%
Transportation and warehousing 10 1.4%
Wholesale trade 4 0.6%
Agriculture, forestry, fishing and hunting 3 0.4%
Utilities 3 0.4%
Management of companies and enterprises 3 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 98277 vs 98278 →

ZIP 98277 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 98277 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 98277 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 98277 ranks #3 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
98278 Oak Harbor, WA 1,065 2.2 mi
98239 Coupeville, WA 6,646 8.7 mi
98257 La Conner, WA 4,134 8.9 mi

More ZIP Codes in Island County

98282 standard
Camano Island, WA
Pop: 15,661
98239 standard
Coupeville, WA
Pop: 6,646
98236 standard
Clinton, WA
Pop: 5,635
98260 standard
Langley, WA
Pop: 5,278
98249 standard
Freeland, WA
Pop: 4,561
98253 standard
Greenbank, WA
Pop: 1,837

Related Areas

Island County Oak Harbor, WA Washington

Frequently Asked Questions

What county is ZIP code 98277 in? ▼
ZIP code 98277 (Oak Harbor) is located in Island County, Washington. Island County contains multiple ZIP codes, see the full list at /counties/island-wa.
What is the population of ZIP code 98277? ▼
ZIP code 98277 in Oak Harbor, WA has a population of 37,823 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98277? ▼
The median household income in ZIP 98277 is $83,253, which is 9% above the national average of $76,288.
What is the average home value in ZIP 98277? ▼
The median home value in ZIP 98277 is $499,600, which is 80% above the national average of $278,155.
What is the demographic makeup of ZIP 98277? ▼
The largest racial group in ZIP 98277 is White at 68.2%. Hispanic or Latino residents make up 12.9% of the population.
How many businesses are in ZIP code 98277? ▼
ZIP code 98277 has 702 business establishments employing approximately 6,290 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98277? ▼
The top industries by establishment count in ZIP 98277 are: Construction (111), Health care and social assistance (90), Retail trade (82). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 98277? ▼
According to the FHFA House Price Index, home values in ZIP 98277 increased by 4.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 216%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 98277? ▼
In ZIP code 98277, 52.9% of residents aged 25+ have a high school diploma or higher, and 27.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 98277? ▼
The mean commute time for workers in ZIP code 98277 is 20.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 98277? ▼
In ZIP code 98277, approximately 59.7% of occupied housing units are owner-occupied and 40.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98277? ▼
The poverty rate in ZIP code 98277 is 8.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.