Oak Harbor, Washington
Living in Oak Harbor, Washington is about 20% more expensive than the national average, with a cost of living index of 120 (US = 100). Typical rent is $2,100 a month, 9% above the national figure of $1,932, and regular gas costs $4.98 a gallon versus $3.98 nationally as of November 11, 2026. Rent, gas, groceries, electricity and car insurance take about 40% of the area's $96,549 median household income.
Key Numbers
Gas (Regular)
$4.98
National: $3.98
Avg Rent (All)
$2,100
National: $1,932
Grocery Inflation
1.77%
Year-over-year
Fast Food Avg
$15.99
Combo meal
Electricity
14.63¢
per kWh · ~$132/mo
Car Insurance
$155/mo
$1,857/yr
Median Household Income
$96,549
40.1% goes to essentials
Car Insurance
Avg $1,857 in Oak Harbor. Compare rates:
📸 Help make this data more accurate
Some prices above are regional estimates. Submit a receipt from a local store to help us show what Oak Harbor residents actually pay.
Save on Gas
Find the cheapest gas near Oak Harbor:
Find Apartments
Avg rent $2,100/mo in Oak Harbor. Browse listings:
Grocery Prices
Grocery Prices — 2000 to Present
National BLS averages · submit local prices below ↓
Eggs (dozen)
Bird flu volatility
$0.97 in 2000 → $2.32 BLS avg
$2.99 @ Quality Food Center - Stanwood (Nov 2026)
Milk (gallon)
$2.79 in 2000 → $4.10 BLS avg
$4.49 @ Quality Food Center - Stanwood (Nov 2026)
Ground Beef (lb)
$1.48 in 2000 → $6.75 BLS avg
$7.29 @ Quality Food Center - Stanwood (Nov 2026)
Bread (loaf)
$0.91 in 2000 → $1.86 BLS avg
$4.99 @ Quality Food Center - Stanwood (Nov 2026)
Chicken Breast (lb)
$1.06 in 2000 → $2.03 BLS avg
$5.00 @ Quality Food Center - Stanwood (Nov 2026)
Butter (lb)
$3.98 BLS avg
$5.99 @ Quality Food Center - Stanwood (Nov 2026)
Bacon (lb)
$2.75 in 2000 → $6.69 BLS avg
$3.99 @ Quality Food Center - Stanwood (Nov 2026)
Cheddar Cheese (lb)
$3.84 in 2000 → $6.13 BLS avg
$7.00 @ Quality Food Center - Stanwood (Nov 2026)
Pasta (lb)
$0.88 in 2000 → $1.38 BLS avg
$1.67 @ Quality Food Center - Stanwood (Nov 2026)
Rice (5 lb)
$2.50 in 2000 → $5.50 BLS avg
$7.48 @ Quality Food Center - Stanwood (Nov 2026)
Coffee (12 oz)
$2.65 in 2000 → $6.94 BLS avg
$9.99 @ Quality Food Center - Stanwood (Nov 2026)
Orange Juice (64 oz)
Citrus shortage
$5.42 estimate
Potatoes (5 lb)
$1.96 in 2000 → $4.95 BLS avg
$2.99 @ Quality Food Center - Stanwood (Nov 2026)
Apples (3 lb)
$5.20 estimate
$4.99 @ Quality Food Center - Stanwood (Nov 2026)
Tomatoes (lb)
$1.44 in 2000 → $2.08 BLS avg
$1.99 @ Quality Food Center - Stanwood (Nov 2026)
Lettuce (head)
$0.75 in 2000 → $1.96 BLS avg
Cooking Oil (48 oz)
$7.76 estimate
$4.99 @ Quality Food Center - Stanwood (Nov 2026)
Yogurt (32 oz)
$4.94 estimate
$5.49 @ Quality Food Center - Stanwood (Nov 2026)
Cereal (family size)
$6.20 estimate
$7.99 @ Quality Food Center - Stanwood (Nov 2026)
Frozen Pizza
$8.65 estimate
$7.99 @ Quality Food Center - Stanwood (Nov 2026)
| Item | 2000 | 2005 | 2010 | 2015 | 2020 | 2022 | 2026 | Since 2000 |
|---|---|---|---|---|---|---|---|---|
| Eggs (dozen)Bird flu volatility$2.99 @ Quality Food Center - Stanwood (Nov 2026) | $0.97 | $1.21 | $1.79 | $2.11 | $1.46 | $1.93 | $2.32 | +137.9% |
| Milk (gallon)$4.49 @ Quality Food Center - Stanwood (Nov 2026) | $2.79 | $3.30 | $3.24 | $3.76 | $3.25 | $3.79 | $4.10 | +47.3% |
| Ground Beef (lb)$7.29 @ Quality Food Center - Stanwood (Nov 2026) | $1.48 | $2.19 | $2.28 | $4.24 | $3.89 | $4.55 | $6.75 | +355.5% |
| Bread (loaf)$4.99 @ Quality Food Center - Stanwood (Nov 2026) | $0.91 | $1.00 | $1.36 | $1.48 | $1.35 | $1.55 | $1.86 | +105.2% |
| Chicken Breast (lb)$5.00 @ Quality Food Center - Stanwood (Nov 2026) | $1.06 | $1.03 | $1.26 | $1.55 | $1.41 | $1.62 | $2.03 | +91.3% |
| Butter (lb)$5.99 @ Quality Food Center - Stanwood (Nov 2026) | — | — | — | — | $3.86 | $3.67 | $3.98 | -4.2% since 2018 |
| Bacon (lb)$3.99 @ Quality Food Center - Stanwood (Nov 2026) | $2.75 | $3.37 | $3.63 | $5.59 | $5.50 | $7.22 | $6.69 | +143.1% |
| Cheddar Cheese (lb)$7.00 @ Quality Food Center - Stanwood (Nov 2026) | $3.84 | $4.21 | $4.72 | $5.40 | $5.20 | $5.32 | $6.13 | +59.6% |
| Pasta (lb)$1.67 @ Quality Food Center - Stanwood (Nov 2026) | $0.88 | $0.94 | $1.15 | $1.26 | $1.23 | $1.12 | $1.38 | +57.1% |
| Rice (5 lb)$7.48 @ Quality Food Center - Stanwood (Nov 2026) | $2.50 | $2.98 | $3.77 | $3.46 | $3.58 | $4.16 | $5.50 | +120.6% |
| Coffee (12 oz)$9.99 @ Quality Food Center - Stanwood (Nov 2026) | $2.65 | $2.29 | $2.86 | $3.55 | $3.13 | $3.85 | $6.94 | +161.3% |
| Orange Juice (64 oz)Citrus shortageLocal estimate | — | — | — | — | — | $3.72 | $5.42 | +45.7% since 2022 |
| Potatoes (5 lb)$2.99 @ Quality Food Center - Stanwood (Nov 2026) | $1.96 | $2.29 | $2.81 | $3.34 | $4.01 | $3.96 | $4.95 | +152.6% |
| Apples (3 lb)Local estimate$4.99 @ Quality Food Center - Stanwood (Nov 2026) | — | — | — | — | — | $4.49 | $5.20 | +15.8% since 2022 |
| Tomatoes (lb)$1.99 @ Quality Food Center - Stanwood (Nov 2026) | $1.44 | $1.66 | $1.84 | $2.09 | $2.22 | $1.89 | $2.08 | +44.4% |
| Lettuce (head) | $0.75 | $0.82 | $0.90 | $1.17 | $1.34 | — | $1.96 | +162.3% |
| Cooking Oil (48 oz)Local estimate$4.99 @ Quality Food Center - Stanwood (Nov 2026) | — | — | — | — | — | $5.54 | $7.76 | +40.1% since 2022 |
| Yogurt (32 oz)Local estimate$5.49 @ Quality Food Center - Stanwood (Nov 2026) | — | — | — | — | — | $4.15 | $4.94 | +19.0% since 2022 |
| Cereal (family size)Local estimate$7.99 @ Quality Food Center - Stanwood (Nov 2026) | — | — | — | — | — | $4.79 | $6.20 | +29.4% since 2022 |
| Frozen PizzaLocal estimate$7.99 @ Quality Food Center - Stanwood (Nov 2026) | — | — | — | — | — | $6.31 | $8.65 | +37.1% since 2022 |
Dining & Restaurants
Fast Food Meal
$15.99
Casual Dining
$28.68
Monthly Spend
$491.46
+5.41% YoYChain Restaurant Meal Prices — 2022 vs. Today
Combo meal / typical order for one
McDonald's
2022: $8.36
$13.49
+61.4%Wendy's
2022: $9.44
$14.57
+54.3%Chipotle
2022: $10.12
$15.11
+49.3%Starbucks
2022: $4.58
$6.36
+38.9%Eating out more? Save on groceries with Ibotta and cook at home more often.
Looking for an Apartment in Oak Harbor?
Average 1BR: $1,722/mo · 2BR: $2,478/mo
Oak Harbor Cost of Living FAQ
Is Oak Harbor, WA expensive to live in?
Oak Harbor has a cost of living index of 120, where 100 is the US average, so it is about 20% more expensive than average. It is the 5th most expensive of the 15 Washington cities we track.
What is the average rent in Oak Harbor, WA?
Typical rent in Oak Harbor is $2,100 a month for all home types as of September 2026, 9% above the national figure of $1,932. One bedroom units average about $1,722 and two bedrooms about $2,478. Source: Zillow Observed Rent Index for the metro area.
Is rent going up in Oak Harbor?
Rent in Oak Harbor rose 4.8% over the past year, faster than the 2.7% change nationally.
How much is gas in Oak Harbor?
Regular unleaded costs about $4.98 a gallon in Oak Harbor as of November 11, 2026, based on the AAA average for Washington. That is 25% above the national average of $3.98.
How much is electricity in Oak Harbor?
Homes in Washington pay an average of 14.6 cents per kWh (EIA), versus 18.4 cents nationally. At 900 kWh a month, a typical bill in Oak Harbor is about $132.
How much is car insurance in Oak Harbor?
Full coverage car insurance averages $1,857 a year in Washington, or about $155 a month (Bankrate and NAIC state average), compared with $2,150 a year nationally.
How much do you need to live in Oak Harbor?
Median household income in the Oak Harbor area is $96,549 (Census ACS 2023, county level). Rent, gas, groceries, electricity and car insurance add up to about $38,739 a year, or 40% of that income. Groceries are counted at $7,112 a year, the average household spend on food at home in the region (BLS Consumer Expenditure Survey).
How does Oak Harbor compare with the rest of Washington?
Rent in Oak Harbor is 17% above the $1,794 average across the 15 Washington cities we track, and its cost of living index of 120 compares with a state average of 119.
Newsletter
Get the Monthly Price Report
We track gas, groceries, and rent so you know what's coming before it hits your wallet. One email, once a month, no spam.
No spam. Unsubscribe anytime. Data updated monthly from FRED, Zillow, AAA.
How does Oak Harbor compare to other Washington cities?
Compare Cities Side by Side →