Property Details
Oak Harbor, Island County median: $465,000
Oak Harbor, Island County average: 0.880%
Washington Property Tax Note
Washington has no state income tax, so local governments rely more heavily on property taxes for revenue. Rates vary significantly between counties and cities.
Your Property Tax Estimate
Annual Tax
$4,092
Monthly Tax
$341
Effective Rate
0.880%
Get Your Full Property Tax Estimate
See how your property taxes compare across price points and how they impact your monthly mortgage payment.
Calculations are estimates for educational purposes only. Actual property taxes depend on your county assessor's valuation, local bond measures, Mello-Roos districts, and homeowner exemptions. Contact Mo Abdel at (949) 579-2057 for a personalized mortgage analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
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Frequently Asked Questions
What is the property tax rate in Oak Harbor, Washington?
Oak Harbor is in Island County, which has an average effective property tax rate of 0.88% for 2026. On Oak Harbor's median home value of $465,000, that equals approximately $4,092 per year or $341 per month.
How much are property taxes on a $465,000 home in Oak Harbor?
At the current effective rate of 0.88%, a home valued at $465,000 in Oak Harbor pays approximately $4,092 in annual property taxes. That breaks down to $341 per month added to your mortgage escrow payment.
Does Oak Harbor have Mello-Roos or special assessments?
Oak Harbor, Island County does not have Mello-Roos (a California-specific program). However, Washington property taxes include special levies for schools, fire districts, library districts, and other local services that vary by location within the county.
How do Oak Harbor property taxes affect mortgage qualification?
Lenders include property taxes in your total PITI payment when calculating debt-to-income ratios. In Oak Harbor, the estimated $341/month tax escrow on a median-priced home directly reduces the loan amount you qualify for. Mo Abdel can help you factor in property taxes when comparing loan programs.
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