Your Property Details
Oak Harbor, Island County median: $465,000
Oak Harbor, Island County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 50.0%
- Avg Property Tax Rate
- 0.88%
- Est. Annual Tax
- $4,092
Your Equity Position
Current Equity
$186,000
Current LTV
60.0%
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Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Oak Harbor, Island County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 579-2057 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
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Frequently Asked Questions
What is the 2026 conforming loan limit for Oak Harbor, Washington?
Oak Harbor is in Island County, which has a 2026 FHFA conforming loan limit of $806,500. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Oak Harbor?
With Oak Harbor's median home value of $465,000, a homeowner with 40% equity could access approximately $93,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Oak Harbor, Island County?
The average effective property tax rate in Oak Harbor is 0.88%. On a home valued at $465,000, that's approximately $4,092 per year. Property taxes are factored into your total PITI payment.
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