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 High-density area
- $83,253
- Median income Near-median income area
- $499,600
- Median home value Above-median home value
- 27.5%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 98277 (Oak Harbor, WA) rose +4.6% from 2023 to 2024. The all-transactions index moved from 302.5 in 2023 to 316.3 in 2024 (2000 = 100).
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 average Washington ZIP), while per-capita income is $39,272. The poverty rate is 8.0%, with unemployment at 3.7%; those measures add context to the income figure. Median home value is $499,600 (2% below the average Washington ZIP) and median rent is $1,672; 59.7% of occupied homes 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. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Island County, so 98277 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
111 establishments
- Health care and social assistance
Health care and social assistance
90 establishments
- Retail trade
Retail trade
82 establishments
- Other services (except public administration)
Other services (except public administration)
82 establishments
- Accommodation and food services
Accommodation and food services
80 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, 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
Who lives in ZIP 98277?
34.9
Median Age
49.6%
Male
50.4%
Female
9.6%
Foreign-Born
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 ZIP avg
$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
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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
17,882housing units
17,882
Total Housing Units
16,142
Occupied Units
1,740
Vacant Units
2.52
Avg Household Size
Occupancy Type
$499,600
Median Home Value
-2% vs state ZIP avg
$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.
- 98277
Oak Harbor (98277)
37,823 residents
- 98239 6,646
Coupeville (98239)
6,646 residents
- 98257 4,134
La Conner (98257)
4,134 residents
- 98278 1,065
Oak Harbor (98278)
1,065 residents
What this shows Among its immediate neighbors, ZIP 98277 ranks the most populous - useful context the national average alone can't give.
ZIP 98277 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98257
La Conner (98257)
$94,425 median income
- 98239
Coupeville (98239)
$92,125 median income
- 98277
Oak Harbor (98277)
$83,253 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 98277, both outside WA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (37,823 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Island County
Related Areas
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.
Related
Take this with you
What to do with ZIP 98277's numbers, next.
- See how ZIP 98277 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oak Harbor, WA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.