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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Oak Harbor, OH Housing Affordability Index

Oak Harbor, Ohio has an MBR Housing Affordability Index score of 111.1 (More Affordable Than Average) as of October 30, 2026, ranking 821st most affordable of 981 scored Ohio cities, compared with 112.1 statewide and 97.4 nationally. On a median-priced $142,200 home with 20% down, the Ohio average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $779, or 20% of the city’s $46,211 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Oak Harbor is updated every night from live Ohio mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Oak Harbor MBR-HAI 111.1 More Affordable Than Average
Rank in Ohio 821 of 981 1 = most affordable
Ohio 112.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Ohio lenders
Median home value $142,200 U.S. Census Bureau

Oak Harbor is 1.0 points below the Ohio score. Scores as of October 30, 2026. See the Ohio index

View Oak Harbor Mortgage Rates

What It Takes to Buy in Oak Harbor

$779/mo
Principal & Interest
Median home, 20% down, 7.29%
$33,400
Income Needed
To keep the payment at 28% of income
$46,211
Median Household Income
Ohio: $71,389
3.1x
Price-to-Income Ratio
Ohio: 3.0x
$649/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,270/yr
Median Property Tax
1.60% of median value
33.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
49.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Oak Harbor, Ohio. The rate is the Ohio average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Oak Harbor Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Oak Harbor, Ohio score: 111.1 (More Affordable Than Average), ranked 821 of 981 Ohio cities. monitorbankrates.com/housing-affordability-index/ohio/oak-harbor”