Residential delivery area · Washington
ZIP Code 98277: Oak Harbor, WA
ZIP code 98277 uses the postal name Oak Harbor, Washington and lies entirely in Island County (Census 2020 ZIP-county file). About 41,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Oak Harbor's 2 residential ZIP codes. Median household income is $83,253 (Census Bureau, ACS 2020-2024). By Census place, 17% of its land lies in Oak Harbor, and 4% in smaller places; 79% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Oak Harbor · 2 residential ZIPs
- County
- Island County
- Census places
- Oak Harbor
- Micro area
- Oak Harbor, WA
- House district
- WA-2 119th Congress
- State
- Washington
- Time zone
- Pacific
- Land area
- 57.3 sq mi · 715 people per sq mi
Where is ZIP code 98277?
98277 centers on 48.322°, -122.627° and covers 57.3 square miles of land plus 13.9 of water. It borders 2 ZIP codes: 98278, 98239.
The map draws ZIP code areas only. For the streets inside 98277, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 98277 compare with the rest of Oak Harbor?
| Measure | 98277 | In Oak Harbor | In Island County | In WA |
|---|---|---|---|---|
| People (ACS 2020-2024) | 40,917 | 1st of 2 | 1st of 8 | 44th of 605 |
| Median household income | $83k | 1st of 1 | 6th of 6 | 231st of 363 |
| Median home value | $500k | 1st of 1 | 7th of 7 | 195th of 392 |
Its median household income is higher than in 66% of U.S. residential ZIP codes, and it is denser than 75% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 98277?
The 2020 Census counted 41,517 people in 98277; the ACS, which samples households over 2020-2024, estimates 40,917. Between the 2010 and 2020 censuses its population grew 9.8% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 40,917
- 2020 Census count
- 41,517+9.8% since 2010 (37,823)
- Households
- 16,142
- Median age
- 34.9
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 98277?
Of the 40,917 people the ACS estimates in 98277, 23.3% are under 18 and 15.9% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (64.8%), then Hispanic or Latino (12.9%).
- Under 1823.3%
- 18 to 6460.9%
- 65 and older15.9%
- White, not Hispanic64.8%
- Hispanic or Latino12.9%
- Other or two or more12.2%
- Asian, not Hispanic7.4%
- Black, not Hispanic2.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 98277 earn?
Median household income is $83,253 (ACS 2020-2024), the 6th highest of the 6 ranked ZIP codes in Island County. It rose from $74,427 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $83,253
- Income per person
- $39,272
- Below the poverty line
- 8.0%
- Unemployed (of the labor force)
- 4.8%
- Adults 25+ with a bachelor's degree
- 27.5%
- Adjusted gross income per tax return, 2022
- $77,79519,010 returns; wages 64% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 98277?
FHFA's house price index for 98277, built from repeat sales and appraisals of the same homes, rose 117% from 2015 to 2025 and rose 50% from 2020 to 2025, and moved +5.4% in 2025.
- Median home value (owners' estimate)
- $499,600
- Median gross rent
- $1,672
- Homes owned by their occupants
- 59.7%
- Housing units
- 17,882
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 98277?
702 business establishments had a location in this ZIP code in 2023, 54 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction111
- Health care and social assistance90
- Retail trade82
- Other services (except public administration)82
- Accommodation and food services80
- Administrative and support and waste management and remediation services55
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 98277?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 98278 | Oak Harbor | 1,932 | – | 2.5 mi |
| 98239 | Coupeville | 7,656 | $92k | 8.6 mi |
| 98257 | La Conner | 4,277 | $94k | 7.8 mi (near) |
| 98221 | Anacortes | 23,562 | $97k | 9.2 mi (near) |
| 98282 | Camano Island | 17,303 | $105k | 9.6 mi (near) |
| 98273 | Mount Vernon | 30,001 | $77k | 12.8 mi (near) |
| 98238 | Conway | 46 | – | 13.0 mi (near) |
| 98261 | Lopez Island | 2,984 | $80k | 16.2 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.