Best PlacesOak Harbor, OH Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Oak Harbor, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
Oak Harbor ranks 11,334th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on cheap car insurance by a wide margin, and noise is the weak spot.
The best neighborhoods in Oak Harbor
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Oak Harbor's strengths and weaknesses
Where Oak Harbor ranks high
- Cheap car insuranceBetter than 98% of towns
- School gradeA+, better than 97% of towns
- Internet speedBetter than 94% of towns
- Voter turnoutBetter than 92% of towns
- WalkabilityBetter than 86% of towns
Where Oak Harbor ranks low
- QuietBetter than only 19% of towns
- Tree shadeBetter than only 19% of towns
- Air qualityBetter than only 20% of towns
- Low property taxBetter than only 24% of towns
- Local economyBetter than only 27% of towns
What it costs to buy a home in Oak Harbor
A household needs to earn about $51,000 a year to comfortably buy the median Oak Harbor home, at 20% down and today's 30-year rate. That is below the area's own median income of $62,419, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Oak Harbor's effective rate of 1.12%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 8 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Oak Harbor
Oak Harbor runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Oak Harbor.
Who works in Oak Harbor, and how
Work in Oak Harbor centers on manufacturing and health care & social. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 90%
- Work from home 8%
- Transit, walk, or bike 2%
Life in Oak Harbor
Oak Harbor has more restaurants and bars per resident than 67% of towns and more parkland per resident than 91% of towns. Dining, parks, and nightlife concentrates in some parts of Oak Harbor and thins out in others, which the map shows.
What the weather is like in Oak Harbor, month by month
Oak Harbor sees roughly 92 pleasant days a year. July highs average about 84 degrees. January highs sit near 35, with lows near 23. The comfortable stretch runs May through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 35° | 29° | 23° |
| April | 59° | 49° | 42° |
| July | 84° | 75° | 68° |
| October | 65° | 56° | 49° |
Flying in and out of Oak Harbor
The nearest airport, Eugene F Kranz Toledo Express, is about 35 miles away and is a small airport. The nearest major hub is Detroit Metro Wayne County, about 49 miles away.
The best schools in and around Oak Harbor
Schools across Oak Harbor average an A+, better than 97% of towns.
Top elementary schools
- R C Waters Elementary SchoolA+ · 73% proficient
- Woodmore Elementary SchoolA · 68% proficient
- Bataan Memorial Intermediate SchoolA− · 58% proficient
Top middle schools
- Oak Harbor Middle SchoolA+ · 79% proficient
- Woodmore Middle SchoolA · 63% proficient
- Port Clinton Middle SchoolA · 63% proficient
Top high schools
- Oak Harbor High SchoolA · 79% proficient
- Woodmore High SchoolA− · 67% proficient
- Port Clinton High SchoolB+ · 52% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Oak Harbor school and its grade on SchoolGrade.
Oak Harbor measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Oak Harbor against the other 50,332 towns.
Common questions about living in Oak Harbor
Is Oak Harbor a good place to live?
Using BestNeighborhood's default rankings, Oak Harbor ranks 11,334th of 50,333 towns. It scores highest on cheap car insurance, good schools, and fast internet, and lowest on noise and tree cover. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Oak Harbor expensive to live in?
The median home is worth $186,289. The overall cost of living runs about 14% below the national average. Set against a $62,419 median income, cost of living beats 37% of towns.
Is Oak Harbor safe?
Yes, Oak Harbor is safer than 57% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $256 per resident a year.
Compare Oak Harbor with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Oak Harbor. Scores are absolute rather than ranked, which means a 60 in Oak Harbor represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Oak Harbor detail on BestNeighborhood maps:
- Walk Grade for Oak Harbor: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Oak Harbor: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Oak Harbor: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Oak Harbor: carrier by carrier coverage behind the cell score.
Oak Harbor detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.