98277 Zip Code Detailed Profile




Estimated zip code population in 2013: 37,484
Zip code population in 2010: 37,823
Zip code population in 2000: 36,676

Houses and condos: 16,974
Renter-occupied apartments: 6,473
% of renters here:

42%
State:

38%
Mar. 2013 cost of living index in zip code 98277: 108.4 (more than average, U.S. average is 100)

Land area: 56.4 sq. mi.
Water area: 14.7 sq. mi.
Population density: 664 people per square mile 
 
 (low).

Age and Sex of Residents in zip code 98277
Zip code 98277 (Oak Harbor, Washington) real estate house value trends

Recent home sales, real estate maps, and home value estimator for zip code 98277

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Real estate property taxes paid for housing units in 2013:
This zip code:

0.8% ($1,960)
Washington:

1.1% ($2,743)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,974 (0.8%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,915 (0.8%)

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Males: 18,503  (49.4%)
Females: 18,981  (50.6%)

For population 25 years and over in 98277:

For population 15 years and over in 98277:

Zip code 98277 compared to state average:

  • Median age below state average.
  • Races in zip code 98277

    • 28,136White population
    • 1,327Black population
    • 298American Indian population
    • 2,769Asian population
    • 280Native Hawaiian and Other Pacific Islander population
    • 58Some other race population
    • 2,021Two or more races population
    • 2,934Hispanic or Latino population


Urban population: 31,290
Rural population: 6,193

Estimated median house/condo value in 2013: $243,400
98277:

$243,400
Washington:

$250,800
Median resident age:
This zip code:

33.3 years
Washington median age:

37.4 years
Average household size:
This zip code:

2.4 people
Washington:

2.6 people

Averages for the 2012 tax year for zip code 98277, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $51,599 (Individual Income Tax Returns)
Here:

$51,599
State:

$69,533

Salary/wage: $41,310 (reported on 81.1% of returns)
Here:

$41,310
State:

$57,267
(% of AGI for various income ranges: 78.0% for AGIs below $25k, 78.9% for AGIs $25k-50k, 69.0% for AGIs $50k-75k, 63.4% for AGIs $75k-100k, 61.6% for AGIs $100k-200k, 30.5% for AGIs over 200k)

Taxable interest for individuals: $1,411 (reported on 36.1% of returns)
This zip code:

$1,411
Washington:

$1,816
(% of AGI for various income ranges: 1.2% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.7% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.3% for AGIs $100k-200k, 1.7% for AGIs over 200k)

Ordinary dividends: $4,482 (reported on 20.4% of returns)
Here:

$4,482
State:

$8,163
(% of AGI for various income ranges: 2.2% for AGIs below $25k, 0.9% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 4.3% for AGIs over 200k)

Net capital gain/loss in AGI: +$9,602 (reported on 15.0% of returns)
Here:

+$9,602
State:

+$21,568
(% of AGI for various income ranges: 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 2.2% for AGIs $100k-200k, 19.3% for AGIs over 200k)

Profit/loss from business: +$12,249 (reported on 10.0% of returns)
Here:

+$12,249
State:

+$16,521
(% of AGI for various income ranges: 3.6% for AGIs below $25k, 2.1% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 2.2% for AGIs $100k-200k, 4.7% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $14,853 (reported on 10.1% of returns)
98277:

$14,853
Washington:

$18,648
(% of AGI for various income ranges: 2.1% for AGIs below $25k, 1.4% for AGIs $25k-50k, 2.3% for AGIs $50k-75k, 3.1% for AGIs $75k-100k, 4.4% for AGIs $100k-200k, 3.8% for AGIs over 200k)

Self-employment retirement plans: $21,300 (reported on 0.2% of returns)
98277:

$21,300
Washington:

$20,087

Total itemized deductions: $20,241 (23% of AGI, reported on 28.2% of returns)
Here:

$20,241
State:

$23,872

Here:

22.9% of AGI
State:

18.2% of AGI
(% of AGI for various income ranges: 9.2% for AGIs below $25k, 9.3% for AGIs $25k-50k, 11.7% for AGIs $50k-75k, 12.6% for AGIs $75k-100k, 12.5% for AGIs $100k-200k, 9.3% for AGIs over 200k)

Charity contributions: $3,875 (reported on 20.6% of returns)
Here:

$3,875
State:

$4,465
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.9% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 1.9% for AGIs $100k-200k, 2.6% for AGIs over 200k)

Taxes paid: $4,595 (reported on 27.8% of returns)
98277:

$4,595
State:

$6,400
(% of AGI for various income ranges: 1.5% for AGIs below $25k, 1.9% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 2.8% for AGIs $75k-100k, 3.2% for AGIs $100k-200k, 2.3% for AGIs over 200k)

Earned income credit: $2,170 (reported on 18.6% of returns)
Here:

$2,170
State:

$2,073
(% of AGI for various income ranges: 5.4% for AGIs below $25k, 1.5% for AGIs $25k-50k)

Percentage of individuals using paid preparers for their 2012 taxes: 36.1%
Here:

36%
State:

43%
(% for various income ranges: 31.2% for AGIs below $25k, 33.3% for AGIs $25k-50k, 38.5% for AGIs $50k-75k, 42.0% for AGIs $75k-100k, 46.6% for AGIs $100k-200k, 69.6% for AGIs over 200k)

Averages for the 2004 tax year for zip code 98277, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $43,079 (Individual Income Tax Returns)
Here:

$43,079
State:

$54,331

Salary/wage: $34,691 (reported on 83.5% of returns)
Here:

$34,691
State:

$45,761
(% of AGI for various income ranges: 116.9% for AGIs below $10k, 81.5% for AGIs $10k-25k, 79.6% for AGIs $25k-50k, 72.0% for AGIs $50k-75k, 67.6% for AGIs $75k-100k, 41.9% for AGIs over 100k)

Taxable interest for individuals: $1,740 (reported on 46.7% of returns)
This zip code:

$1,740
Washington:

$2,110
(% of AGI for various income ranges: 7.0% for AGIs below $10k, 1.5% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 2.9% for AGIs over 100k)

Taxable dividends: $4,038 (reported on 24.1% of returns)
Here:

$4,038
State:

$5,879
(% of AGI for various income ranges: 5.3% for AGIs below $10k, 1.2% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 5.1% for AGIs over 100k)

Net capital gain/loss: +$11,521 (reported on 19.1% of returns)
Here:

+$11,521
State:

+$15,835
(% of AGI for various income ranges: 1.0% for AGIs below $10k, 0.3% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 18.1% for AGIs over 100k)

Profit/loss from business: +$11,738 (reported on 11.0% of returns)
Here:

+$11,738
State:

+$13,994
(% of AGI for various income ranges: 6.3% for AGIs below $10k, 1.9% for AGIs $10k-25k, 2.0% for AGIs $25k-50k, 2.2% for AGIs $50k-75k, 2.6% for AGIs $75k-100k, 5.3% for AGIs over 100k)

IRA payment deduction: $2,825 (reported on 3.4% of returns)
98277:

$2,825
Washington:

$3,001
(% of AGI for various income ranges: 0.3% for AGIs below $10k, 0.2% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.2% for AGIs over 100k)

Self-employed pension: $9,469 (reported on 0.6% of returns)
Here:

$9,469
Washington:

$14,244
(% of AGI for various income ranges: 0.0% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.4% for AGIs over 100k)

Total itemized deductions: $16,465 (23% of AGI, reported on 30.2% of returns)
Here:

$16,465
State:

$19,669

Here:

22.8% of AGI
State:

20.7% of AGI
(% of AGI for various income ranges: 15.2% for AGIs below $10k, 7.3% for AGIs $10k-25k, 11.2% for AGIs $25k-50k, 14.2% for AGIs $50k-75k, 13.3% for AGIs $75k-100k, 10.1% for AGIs over 100k)

Charity contributions deductions: $3,017 (4% of AGI, reported on 24.5% of returns)
Here:

$3,017
State:

$3,569

Here:

3.9% of AGI
State:

3.5% of AGI
(% of AGI for various income ranges: 0.8% for AGIs below $10k, 0.8% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 2.6% for AGIs over 100k)

Total tax: $5,556 (reported on 74.5% of returns)
98277:

$5,556
State:

$9,065
(% of AGI for various income ranges: 2.5% for AGIs below $10k, 3.8% for AGIs $10k-25k, 5.5% for AGIs $25k-50k, 8.2% for AGIs $50k-75k, 10.5% for AGIs $75k-100k, 17.3% for AGIs over 100k)

Earned income credit: $1,653 (reported on 15.2% of returns)
Here:

$1,653
State:

$1,607

Percentage of individuals using paid preparers for their 2004 taxes: 51.6%
Here:

52%
State:

49%
(% for various income ranges: 41.6% for AGIs below $10k, 53.7% for AGIs $10k-25k, 53.1% for AGIs $25k-50k, 49.4% for AGIs $50k-75k, 50.8% for AGIs $75k-100k, 65.0% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$53,556
Washington:

$58,405
Oak Harbor, WA (98277) map Nearest zip codes: 98278, 98239, 98257, 98282, 98221, 98253.
Percentage of family households:
This zip code:

53.6%
Washington:

49.7%
Percentage of households with unmarried partners:
This zip code:

4.9%
Washington:

7.2%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 1,482
Household did not receive Food Stamps/SNAP in the past 12 months: 13,925


Women who had a birth in the past 12 months: 794 (689 now married, 105 unmarried)
Women who did not have a birth in the past 12 months: 8,429 (5,080 now married, 3,349 unmarried)


Housing units in zip code 98277 with a mortgage: 5,896 (397 second mortgage, 803 home equity loan, 41 both second mortgage and home equity loan)
Houses without a mortgage: 3,038

Median monthly owner costs for units with a mortgage: $1,711
Median monthly owner costs for units without a mortgage: S480

Residents with income below the poverty level in 2013:
This zip code:

9.6%
Whole state:

14.1%
Residents with income below 50% of the poverty level in 2013:
This zip code:

5.0%
Whole state:

7.8%
Median number of rooms in houses and condos:
Here:

6.1
State:

6.5
Median number of rooms in apartments:
Here:

4.6
State:

4.2
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 98277: Coupeville Port (A), Gallery Golf Course (B), Whidbey Golf and Country Club (C), Staysail Recreational Vehicle Park (D), Lams Golf Links (E), Deception Pass State Park Marina (F), Deception Pass Marina (G), Oak Harbor Marina (H), Oak Harbor Wastewater Lagoon Northeast Cell (I), Oak Harbor Wastewater Lagoon Northwest Cell (J), Oak Harbor Wastewater Lagoon Southeast Cell (K), Oak Harbor Wastewater Lagoon Southwest Cell (L), Oak Harbor Sewage Treatment Plant (M), Penn Cove Sewage Treatment Plant (N), Naval Region Northwest Fire and Rescue Services (O), North Whidbey Fire and Rescue Monroe Fire Station 27 (P), North Whidbey Fire and Rescue Polnell Fire Station 24 (Q), North Whidbey Fire and Rescue Zylstra Fire Station 26 (R), North Whidbey Fire and Rescue Heller Fire Station 25 (S), North Whidbey Fire and Rescue Cornet Fire Station 21 (T). Display/hide their locations on the map

    Churches in zip code 98277 include: Living Word Fellowship Church (A), First Reformed Church (B), Oak Harbor Assembly of God Church (C), New Covenant Fellowship Church (D), Lighthouse Christian Center (E), Oak Harbor Seventh Day Adventist Church (F), Oak Harbor Christian Reformed Church (G), Oak Harbor Lutheran Church (H), Oak Harbor Church of the Nazarene (I). Display/hide their locations on the map

    Cemetery: Maple Leaf Cemetery (1). Display/hide its location on the map

    Lakes, reservoirs, and swamps: Cranberry Lake (A), Silver Lake (B), Hastie Lake (C), Loers Pond (D), Waterloo Marsh (E). Display/hide their locations on the map

    Parks in zip code 98277 include: Deception Pass State Park (1), Smith Park (2). Display/hide their locations on the map

    Beaches: Monroe Landing (A), North Beach (B). Display/hide their locations on the map

Year house built

  • 1822010 or later
  • 3,1922000 to 2009
  • 2,4911990 to 1999
  • 3,6771980 to 1989
  • 4,0951970 to 1979
  • 1,3141960 to 1969
  • 1,1741950 to 1959
  • 2731940 to 1949
  • 5761939 or earlier

Zip code 98277 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Oak Harbor, WA (98277)

  • 25no bedroom
  • 531 bedroom
  • 1,9162 bedrooms
  • 5,0553 bedrooms
  • 1,6454 bedrooms
  • 2405+ bedrooms

Bedrooms in renter-occupied apartments in Oak Harbor, WA (98277)

  • 99no bedroom
  • 9801 bedroom
  • 2,3652 bedrooms
  • 2,2283 bedrooms
  • 7424 bedrooms
  • 595+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Oak Harbor, WA (98277) in owner-occupied houses/condos

  • 328no vehicle
  • 1,8731 vehicle
  • 3,6742 vehicles
  • 1,9553 vehicles
  • 7674 vehicles
  • 3375+ vehicles

Cars and other vehicles available in Oak Harbor, WA (98277) in renter-occupied apartments

  • 531no vehicle
  • 2,7391 vehicle
  • 2,5032 vehicles
  • 5613 vehicles
  • 544 vehicles
  • 855+ vehicles

Median gross rent in 2013: $1,057.


Median price asked for vacant for-sale houses and condos in 2013: $206,919.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $243,400
98277:

$243,400
Washington:

$250,800
Lower value quartile - upper value quartile: $186,600 - $327,500

Mean price in 2013:

Detached houses: $272,055
Here:

$272,055
State:

$329,559

Townhouses or other attached units: $127,719
Here:

$127,719
State:

$270,940

In 2-unit structures: $109,595
Here:

$109,595
State:

$280,281

In 3-to-4-unit structures: $466,191
Here:

$466,191
State:

$202,515

In 5-or-more-unit structures: $236,436
Here:

$236,436
State:

$245,538

Mobile homes: $35,229
Here:

$35,229
State:

$98,688

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 10.4%

Percentage of zip code residents living and working in this county: 80.8%

Household type by relationship:

Households: 37,390

Size of family households: 4,887 2-persons, 2,305 3-persons, 1,958 4-persons, 915 5-persons, 239 6-persons, 51 7-or-more-persons

Size of nonfamily households: 4,293 1-person, 600 2-persons, 71 3-persons, 72 4-persons, 16 5-persons

6,867 married couples with children.
1,888 single-parent households (517 men, 1,371 women).

86.3% of residents of 98277 zip code speak English at home.
4.7% of residents speak Spanish at home (79% very well, 13% well, 7% not well, 1% not at all).
1.7% of residents speak other Indo-European language at home (77% very well, 21% well, 2% not well).
6.9% of residents speak Asian or Pacific Island language at home (55% very well, 39% well, 5% not well).
0.4% of residents speak other language at home (80% very well, 20% well).

Foreign born population: 4,030 (10.8%)
(63.8% of them are naturalized citizens)
This zip code:

10.8%
Whole state:

13.5%

Most common places of birth for the foreign-born residents

  • 41%Philippines
  • 11%Mexico
  • 9%Japan
  • 7%Canada
  • 4%Korea
  • 3%United Kingdom, excluding England and Scotland
  • 3%England

Most common first ancestries reported in 98277 (%)

  • 30%Other groups
  • 12%German
  • 6%Irish
  • 6%English
  • 5%American
  • 3%Italian
  • 3%Norwegian

Year of entry for the foreign-born population

  • 5902010 or later
  • 1,2722000 to 2009
  • 1,0311990 to 1999
  • 2,242Before 1990

Zip code 98277 topographic map

Facilities with environmental interests located in this zip code:

Fire-safe hotels and motels in zip code 98277:

All 6 fire-safe hotels and motels in zip code 98277

Zip code 98277 marital status for males
Zip code 98277 marital status for females

Housing units lacking complete plumbing facilities: 1.9%
Housing units lacking complete kitchen facilities: 2.4%

Most commonly used house heating fuel

  • 52%Electricity
  • 29%Utility gas
  • 10%Bottled, tank, or LP gas
  • 5%Wood
  • 2%Fuel oil, kerosene, etc.
  • 1%Other fuel
  • 1%No fuel used

Population in 1990: 32,450. Population change in the 1990s: +4,226 (+13.0%).

Place of birth for U.S.-born residents:


40% of the 98277 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 34% lived in this county.
   Out of people who lived in different counties, 50% lived in Washington.

83% of the 98277 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 38% moved from this county.
   Out of people who lived in different houses, 13% moved from different county within same state.
   Out of people who lived in different houses, 41% moved from different state.
   Out of people who lived in different houses, 9% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 144
Here:

3.8%
Washington:

10.0%
Students in private schools in grades 9 to 12 (high school): 38
Here:

2.1%
Washington:

6.5%
Students in private undergraduate colleges: 410
Here:

17.4%
Washington:

17.0%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 61,907Health diagnosing and treating practitioners and other technical occupations
  • 50,417Health technologists and technicians
  • 45,625Architecture and engineering occupations
  • 44,534Education, training, and library occupations
  • 43,355Management occupations
  • 43,233Computer and mathematical occupations

Companies with biggest federal contracts located in this zip code (OAK HARBOR, WA):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 77 people in nursing facilities/skilled-nursing facilities
  • 20 people in emergency and transitional shelters (with sleeping facilities) for people experiencing homelessness
  • 10 people in other noninstitutional facilities
  • 8 people in local jails and other municipal confinement facilities
  • 8 people in workers' group living quarters and job corps centers

People in group quarters in 2000:

  • 1,199 people in military barracks, etc.
  • 93 people in nursing homes
  • 42 people in other noninstitutional group quarters
  • 3 people in local jails and other confinement facilities (including police lockups)
  • 2 people in military transient quarters for temporary residents
Home Mortgage Disclosure Act Aggregated Statistics For Year 2003
(Based on 14 full and 2 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED552$174,471615$153,9633,247$140,247144$21,08813$944,622396$134,108
APPLICATIONS APPROVED, NOT ACCEPTED29$165,24054$118,343234$132,98029$23,4020$038$124,900
APPLICATIONS DENIED28$149,55990$129,603685$135,332117$17,4450$073$117,713
APPLICATIONS WITHDRAWN28$170,65958$159,002584$140,16416$43,4411$364,00035$110,674
FILES CLOSED FOR INCOMPLETENESS2$138,4958$124,09488$136,5315$110,4640$07$157,036
Choose year:  2003 2002 2001 2000 1999
Private Mortgage Insurance Companies Aggregated Statistics For Year 2003
(Based on 13 full and 2 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED68$160,879128$154,56716$144,329
APPLICATIONS APPROVED, NOT ACCEPTED12$162,19325$157,8067$140,596
APPLICATIONS DENIED0$06$214,5772$178,000
APPLICATIONS WITHDRAWN0$01$116,0000$0
FILES CLOSED FOR INCOMPLETENESS0$00$00$0
Choose year:  2003 2002 2001 2000 1999

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 98277 among deceased individuals
NameCountLived (average)
John11675.9 years
Robert11273.4 years
Mary9676.7 years
William9572.7 years
James8469.8 years
Charles6774.1 years
George6177.1 years
Dorothy6180.0 years
Richard5371.5 years
Ruth4780.0 years
Most common last names in zip code 98277 among deceased individuals
Last nameCountLived (average)
Johnson4481.2 years
Smith3875.3 years
Anderson3582.1 years
Davis2874.2 years
Williams2678.3 years
Taylor2375.4 years
Brown2274.2 years
Allen1870.4 years
Miller1776.3 years
Christensen1682.2 years
Businesses in zip code 98277
NameCountNameCount
7-Eleven2McDonald's2
AT&T1Nike2
Ace Hardware1OfficeMax1
Applebee's1Papa John's Pizza1
Arby's1Payless1
AutoZone1Penske1
Baskin-Robbins1Pizza Hut1
Best Western1Quiznos1
Blockbuster1RadioShack1
Burger King1Rite Aid1
Curves1Safeway1
DHL1Sears1
Dairy Queen1Sprint Nextel1
Domino's Pizza1Starbucks2
FedEx4Subway3
GNC1T-Mobile2
GameStop1Taco Bell1
H&R Block1The Room Place1
Holiday Inn1U-Haul2
Home Depot1UPS4
KFC1Vons1
Kmart1Walgreens1
Lane Furniture1Walmart1
Little Caesars Pizza1Wendy's1
MasterBrand Cabinets2YMCA1
Maurices1

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