How much do homeowners pay a month in Oak Harbor, OH?

Name: Homeowner costs in Oak Harbor, OH, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Oak Harbor, OH pay a median of $1,317 (±$111) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $518 (±$34).

46.5% of owned homes carry a mortgage.

In Oak Harbor, the median monthly cost with a mortgage went from $1,129 in 2015–2019 to $1,317 in 2020–2024 (+16.7%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,317 (±$111)
Without a mortgage: $518 (±$34)
Owned with a mortgage: 46.5%

Monthly owner costs in Oak Harbor

Median selected monthly owner costs, estimate (90% margin of error)
	Oak Harbor	Ottawa County	Ohio	United States
With a mortgage	$1,317 (±$111)	$1,459 (±$47)	$1,517 (±$5)	$1,963
Without a mortgage	$518 (±$34)	$570 (±$21)	$588 (±$2)	$638
Owned homes with a mortgage	46.5% (±12.0 points)	53.1% (±2.2 points)	60.6% (±0.2 points)	60.6%
Median real estate taxes (a year)	$1,789 (±$373)	$2,378 (±$114)	$2,822 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Oak Harbor, the median cost with a mortgage is lower than in Ottawa County ($1,459).

It is also lower than in Ohio ($1,517).

It is lower than the national figure ($1,963).

In Ottawa County, Oak Harbor ranks 13 of 20 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 1237 of 2,330.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Oak Harbor have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,129 (±$105)	$1,317 (±$111)	+16.7%	No measurable change after inflation
Median real estate taxes	$1,374 (±$125)	$1,789 (±$373)	+30.2%	No measurable change after inflation
Median home value	$122,200 (±$16,264)	$142,200 (±$20,932)	+16.4%	No measurable change after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Oak Harbor

Nearest places with a published estimate, compared with Oak Harbor
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Oak Harbor	—	$1,317 (±$111)	—
Salem Township (Ottawa County)	1.0 mi	$1,391 (±$90)	Not measurably different
Rocky Ridge	4.4 mi	$1,250 (±$685)	Not measurably different
Rice Township	4.8 mi	$1,248 (±$610)	Not measurably different
Harris Township	6.3 mi	$1,558 (±$129)	Higher
Bay Township	6.3 mi	$1,292 (±$343)	Not measurably different
Erie Township	6.9 mi	$1,207 (±$183)	Not measurably different
Benton Township (Ottawa County)	7.1 mi	$1,614 (±$133)	Higher
Carroll Township	7.2 mi	$1,823 (±$344)	Higher

Nearby places with a measurably higher figure: Harris Township, OH ($1,558), Benton Township (Ottawa County), OH ($1,614), Carroll Township, OH ($1,823).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Ottawa County, place by place

Rank	Place	Median monthly cost with a mortgage
7	Harris Township	$1,558 (±$129)
8	Allen Township (Ottawa County)	$1,557 (±$157)
9	Marblehead	$1,472 (±$342)
10	Elmore	$1,464 (±$118)
11	Salem Township (Ottawa County)	$1,391 (±$90)
12	Clay Township (Ottawa County)	$1,358 (±$151)
13	Oak Harbor	$1,317 (±$111)
14	Curtice	$1,300 (±$174)
15	Bay Township	$1,292 (±$343)
16	Rocky Ridge	$1,250 (±$685)
17	Erie Township	$1,207 (±$183)
18	Port Clinton	$1,142 (±$114)
19	Genoa	$1,133 (±$87)

Showing 13 of 20 places in Ottawa County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Oak Harbor

What is the average mortgage payment in Oak Harbor?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Oak Harbor, OH is $1,317 (±$111) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Oak Harbor?

Owners without a mortgage in Oak Harbor pay a median of $518 (±$34) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Oak Harbor gone up?

In Oak Harbor, the median monthly cost with a mortgage went from $1,129 in 2015–2019 to $1,317 in 2020–2024 (+16.7%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Oak Harbor village, Ohio (place:57582, in state:39).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.