Property Taxes in Oak Harbor, Washington
Median Oak Harbor, Washington effective property tax rate: 0.72%, significantly lower than the national median of 1.02%, and lower than the Washington state median of 0.92%.
Median Oak Harbor, Washington home value: $459,597
Median annual Oak Harbor, Washington tax bill: $3,510, $1,110 higher than the national median property tax bill of $2,400.
How are property taxes in Island calculated?
Property taxes in Oak Harbor, Washington are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Oak Harbor's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Oak Harbor, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Oak Harbor Property Tax Calculator Work?
Use this Oak Harbor property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Oak Harbor's median effective tax rate of 0.72% — based on actual property records in Island County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Oak Harbor's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Oak Harbor: rates range from 0.72% in 98277 to 0.72% in 98277, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Oak Harbor.
About Oak Harbor Property Taxes
About Property Taxes in Oak Harbor, Island, Washington
Oak Harbor’s median effective property tax rate of 0.72% is lower than the Washington state median of 0.92% and lower than the national median of 1.02%. This rate reflects the Island County base levy combined with local school district levies and Local improvement districts (LIDs) that vary by subdivision throughout the city.
Property tax rates are not uniform across Oak Harbor. Homeowners in ZIP code 98277 carry a median effective rate of 0.72%, while those in 98277 pay 0.72%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Island County. Understanding which part of Oak Harbor you live in can make a meaningful difference to your annual tax bill.
Oak Harbor homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before July 1, 2025.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Oak Harbor, Island County, Washington
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Oak Harbor's effective property tax rate to other cities in Washington and the median property tax rates in Washington and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Oak Harbor Tax Rate
0.72%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Island County Tax Rate
0.73%
Median Effective Washington Tax Rate
0.92%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Oak Harbor, Island County, Washington
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 98277 | 0.65% | 0.69% | 0.72% | 0.83% | 0.85% |
Source: Ownwell
Property Tax Assessment Values Across Oak Harbor, Island County, Washington
When examining property taxes in Oak Harbor, Washington, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Island County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Island County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of June.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For example, the median home price in Oak Harbor is $459,597, with a median tax bill of $3,510. The 25th percentile tax bill is $2,670, while the 75th percentile is $4,247. The 90th percentile reaches $5,276. The ZIP code 98277 has both the highest median home price and the highest median tax bill.
Property Tax Assessment Values Across Oak Harbor, Island County, Washington
Source: Ownwell
$459,597
$565,158
$670,719
Median Oak Harbor Market Value
$459,597
Median Island County Market Value
$549,996
Median Washington Market Value
$501,600
Median United States Market Value
$274,101
Property Tax Assessment Values Across Oak Harbor, Island County, Washington
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 98277 | $219,186 | $367,253 | $459,597 | $560,592 | $724,873 |
Source: Ownwell
Property Tax Bills Across Oak Harbor, Island County, Washington
Property tax bills in Oak Harbor are based on the assessed value of a home and the local tax rates set by Island County and other taxing districts. When a home’s market value changes, the assessed value can change too, which can affect the amount owed. For homeowners, this means a higher assessed value often leads to a larger tax bill, while a lower assessed value can reduce it.
In Oak Harbor, the median home price is $459,597, and the median property tax bill is $3,510. That is above the national median property tax bill of $2,400 and reflects how local assessments and tax rates shape what homeowners pay. Tax bills can also vary widely within the city, with the 25th percentile at $2,670 and the 75th percentile at $4,247. For some homeowners, this can create a meaningful impact on monthly housing costs and overall affordability.
Median Oak Harbor Tax Bill
$3,510
Median Island County Tax Bill
$3,999
Median Washington Tax Bill
$4,512
Median United States Tax Bill
$3,209
Property Tax Bills Across Oak Harbor, Island County, Washington
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 98277 | $830 | $2,670 | $3,510 | $4,247 | $5,276 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 1 |
| Tax Bill | |
| Issued | February 10 |
| Due Date #1 | April 30 |
| Due Date #2 | October 31 |
Links | |
|---|---|
| Island Tax Assessor | |
| Website | assessor.islandcountywa.gov |