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Oak Harbor, WA

Cost of living in Island County, WA

Estimated monthly cost
$3,232/mo
for a single person, all categories combined

Population 86,747 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,317 41%
Federal tax $599 19%
Healthcare $480 15%
Groceries $369 11%
Transport $250 8%
Energy $157 5%
Water $60 2%
State tax $0 0%

Rent in Island County

Fair Market Rents by bedroom count.

Studio
$1,178
per month
1 bedroom
$1,317
per month
2 bedroom
$1,600
per month
3 bedroom
$2,242
per month
4 bedroom
$2,615
per month

Source: HUD FMR FY2025

Income and earnings in Island County

Annual earnings figures from the Census ACS.

Household income
$88,358
per year
Individual earnings
$46,675
per year
Per capita
$46,226
per year

Source: ACS 2019-2023 5-Year.

Home values in Island County

Average values reported by homeowners.

Average home value
$535,300
Annual property tax
$3,765

Source: ACS 2019-2023 5-Year

Energy costs in Island County

Estimated monthly electricity and gas costs.

Electricity
$109
per month · 11.5¢/kWh
Natural gas
$48
per month
Annual total
$1,884
per year

Source: EIA

Healthcare in Island County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Island County

State and local tax rates for Washington.

No state income tax
Washington does not levy a personal income tax.
State sales tax
6.5%
Combined sales tax
10.2%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Island County

Commute patterns and estimated costs.

Average commute
26.9 min
Drive alone
69.7%
Public transit
1.9%
Work from home
13.8%

Source: ACS

Monthly cost estimates for Island County

What it costs to live in Island County each month.

Single person
$3,232
per month
  • Rent $1,317
  • Energy $157
  • Water $60
  • Groceries $369
  • Transport $250
  • Healthcare $480
  • Federal tax $599
  • State tax $0
Couple
$4,799
per month
  • Rent $1,600
  • Energy $188
  • Water $70
  • Groceries $611
  • Transport $350
  • Healthcare $864
  • Federal tax $1,116
  • State tax $0
Family
$7,607
per month
  • Rent $2,242
  • Energy $236
  • Water $85
  • Groceries $928
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,116
  • State tax $0

Frequently asked questions about Island County

Common questions about cost of living, rent and salary.

What is the average rent in Island County?

In Island County, WA, a one-bedroom apartment averages $1,317 per month, a two-bedroom averages $1,600 per month, a three-bedroom averages $2,242 per month, according to HUD Fair Market Rent data.

What is the average salary in Island County?

In Island County, WA, the average household income is $88,358 per year and individual earnings for full-time workers average $46,675 per year, according to U.S. Census Bureau data.

What is the cost of living in Island County?

The estimated cost of living in Island County, WA is approximately $3,232 per month for a single person, $4,799 for a couple, $7,607 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Island County?

The combined sales tax rate in Island County, WA is 10.23%, which includes the Washington state rate of 6.50% plus an average local rate of 3.73%.

Is Island County an affordable place to live?

Based on the data, a single person in Island County, WA would need approximately $3,232 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $88,358 per year ($7,363 per month). Island County is relatively affordable compared to the national average.

How much does healthcare cost in Island County?

The ACA marketplace benchmark premium in Island County, WA is approximately $480 per month for an individual. Approximately 4.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Island County?

The average home value in Island County, WA is $535,300, with average annual property taxes of $3,765, according to U.S. Census Bureau data.

How does Island County compare to other areas?

You can compare Island County, WA with any other US county using our comparison tool at /compare. Island County is in the Oak Harbor, WA metro area.

Other counties in Washington

Browse the full list of counties in Washington, ranked by cost of living.

See all counties in Washington

Compare Island County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources