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Affordable & Low-Income Housing in Oak Harbor, WA 98278

No income-restricted buildings are listed in 98278 — here are the closest ones.

No income-restricted buildings are listed in Oak Harbor, WA 98278. 27 income-restricted buildings are listed nearby (within about 10 miles). These lists don't show openings — call to ask about vacancies and waiting lists.

Closest to 98278

The 20 closest of 27 in nearby ZIPs. Pick a ZIP below to see all of them.

  • Harbor Heights

    31 NW Crosby Ave, Oak Harbor, WA 98277

    2.4 mi away

    Tax credit

    37 units

    • Affordability period may have ended — call to confirm
    No phone listedDetailsDirections

  • Oak Harbor Ridge

    950 N Oak Harbor St, Oak Harbor, WA 98277

    2.5 mi away

    Tax creditUSDA rural

    156 units · 1–3 BR

    • 14 vacant units reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Fir Village

    869 N Oak Harbor St, Oak Harbor, WA 98277

    2.6 mi away

    Tax creditUSDA rural

    29 units · 1–3 BR · People with disabilities

    • 1 vacant unit reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Sag Preservation Portfolio 1

    Multiple, Oak Harbor, WA 98277

    2.7 mi away

    Tax credit

    298 units · 293 income-restricted · 1–3 BR · People with disabilities

    No phone listedDetailsDirections

  • Lexy Manor

    300 NE Seventh Ave, Oak Harbor, WA 98277

    2.7 mi away

    Tax credit

    26 units · 25 income-restricted · 1–3 BR · People with disabilities

    • Affordability period may have ended — call to confirm
    No phone listedDetailsDirections

  • Oak Bay Station

    116 Barron Drive, Oak Harbor, WA 98277

    2.9 mi away

    Tax credit

    82 units · 81 income-restricted · 1–3 BR · People with disabilities

    No phone listedDetailsDirections

  • Oak Harbor Estates

    191 NE Ernst St, Oak Harbor, WA 98277

    3 mi away

    Tax credit

    42 units

    • Affordability period may have ended — call to confirm
    No phone listedDetailsDirections

  • Newport Apartments

    380 NE Izett St, Oak Harbor, WA 98277

    3 mi away

    USDA rural

    16 units · 2–3 BR

    • 2 vacant units reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Chelsea Apartments

    280 NE Izett St, Oak Harbor, WA 98277

    3 mi away

    Tax creditUSDA ruralSeniors

    40 units · 1–2 BR

    • 1 vacant unit reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Chelsea Apartments

    240 NE Izett St, Oak Harbor, WA 98277

    3.1 mi away

    Tax credit

    40 units · 39 income-restricted · 1–2 BR

    No phone listedDetailsDirections

  • Cambridge Cove

    470 SE 4th Ave, Oak Harbor, WA 98277

    3.3 mi away

    Tax creditUSDA ruralSeniors

    37 units · 1–2 BR

    • 1 vacant unit reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Harbor Village Apts

    55 SW 6th Ave, Oak Harbor, WA 98277

    3.4 mi away

    Tax creditSection 8

    28 units · 1–3 BR

    (360) 675-2877DetailsDirections

  • Brookhaven

    640 SE 8th Ave Apt C1, Oak Harbor, WA 98277

    3.6 mi away

    Public housing

    110 units · 1–2 BR

    • Apply through HA Of Island County
    • Residents waited about 63 months to move in (HUD, Oct 2026)
    (360) 678-4181DetailsDirections

  • Madrona Manor (Oak Harbor)

    890 SW Kimball Dr, Oak Harbor, WA 98277

    3.8 mi away

    Tax credit

    49 units · 1–3 BR · People with disabilities

    • Affordability period may have ended — call to confirm
    No phone listedDetailsDirections

  • Madrona Valley

    204 N Main St, Coupeville, WA 98239

    8.7 mi away

    Tax creditUSDA rural

    24 units · 1–3 BR

    • 1 vacant unit reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Cam-Bey Senior Apartments

    50 N Main St, Coupeville, WA 98239

    8.8 mi away

    Section 8Seniors

    50 units · 1 BR

    (360) 678-4886DetailsDirections

  • Harbor Villa

    403 State St, La Conner, WA 98257

    9.1 mi away

    Tax creditUSDA ruralSeniors

    16 units · 1–2 BR

    • 2 vacant units reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Anacortes Portfolio

    Multiple, Multiple, WA 98221

    10.8 mi away

    Tax creditSeniors

    111 units · 1 BR · People with disabilities

    No phone listedDetailsDirections

  • Silverwood

    1103 29th St, Anacortes, WA 98221

    11.2 mi away

    Tax creditUSDA ruralSeniors

    24 units · 1–2 BR

    • 1 vacant unit reported (Oct 2026) — call to confirm
    No phone listedDetailsDirections

  • Heatherwood (Anacortes)

    1110 29th St, Anacortes, WA 98221

    11.3 mi away

    Tax credit

    32 units

    • Affordability period may have ended — call to confirm
    No phone listedDetailsDirections

Rents and income limits in 98278

Fair market rent, 2 bedrooms
$1,870/mo
Income needed to pay it at 30% of income
$74,800/yr

Income limits (2026)

Island County, WA area · median family income $107,200. Your household's yearly income before taxes must be at or below the limit.

PeopleExtremely low 30%Very low 50%Low 80%
1$22,550$37,550$60,050
2$25,750$42,900$68,600
3$28,950$48,250$77,200
4$33,000$53,600$85,750
5$38,680$57,900$92,650
6$44,360$62,200$99,500
7$50,040$66,500$106,350
8$55,720$70,800$113,200

Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.

Fair market rents (2027)

HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.

Size98278Wider area
Studio$1,300$1,270
1 bedroom$1,500$1,459
2 bedrooms$1,870$1,824
3 bedrooms$2,560$2,501
4 bedrooms$3,060$2,987

Wider area = Island County, WA. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,550 (98257) to $1,940 (98221).

Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures). Each program and building can set its own limits — confirm with the property.

Estimate your Section 8 rent share

Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 98278's fair market rent.

Estimate your Section 8 rent share for 98278

Frequently Asked Questions

Is there Section 8 housing in Oak Harbor, WA 98278?

Yes — this directory lists income-restricted buildings in Oak Harbor, WA 98278, including project-based Section 8 apartments (the subsidy stays with the unit), public housing, tax-credit, and USDA rural rentals. Housing Choice Vouchers are different: you apply with the local housing authority and can use them at a private landlord. Estimate your voucher rent share with the Section 8 calculator.

Do affordable housing buildings in Oak Harbor, WA 98278 have openings?

These lists for Oak Harbor, WA 98278 don't show openings. Call the property (or the housing authority, for public housing) to ask about vacancies and waiting lists.

How do I apply for affordable housing in Oak Harbor, WA 98278?

Use the phone number on each building card in Oak Harbor, WA 98278. Public housing is run by the local housing authority — apply with them, not at the building. USDA rural rentals can also be found through USDA's property search.

What counts as affordable housing in Oak Harbor, WA 98278?

In Oak Harbor, WA 98278, this directory lists income-restricted rentals from HUD tax-credit (LIHTC) records, public housing, HUD-assisted buildings (including project-based Section 8, 202, and 811), and USDA Rural Development.

How many affordable housing buildings are in ZIP 98278?

No income-restricted buildings are listed in ZIP 98278 right now. 27 nearby buildings are shown on this page. Call to confirm openings.

Is there affordable housing near 98278?

Yes — this page also lists 27 income-restricted buildings in ZIP codes near Oak Harbor, WA 98278 (within about 10 miles). Pick a nearby ZIP to see every building there.

People Also Ask

How do I qualify for affordable housing in Oak Harbor, WA 98278?

Most income-restricted buildings in Oak Harbor, WA 98278 serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $37,550, and $53,600 for a 4-person household. Public housing can go up to 80% ($60,050 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.

What is the income limit for low-income housing in Oak Harbor, WA 98278?

For many programs in Oak Harbor, WA 98278, the 2026 HUD very low-income (50%) limit is $37,550 a year for 1 person and $53,600 for 4 people. The low-income (80%) limit is $60,050 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.

How long is the waiting list for Section 8 in Oak Harbor, WA 98278?

There is no single waiting list for Oak Harbor, WA 98278. Public housing, project-based Section 8, and tax-credit buildings each keep their own list. Housing Choice Voucher lists at the housing authority open only sometimes and can stay closed for years. This directory does not show which lists are open — call the number on each card. Some public housing cards show HUD's reported wait in months.

What is the difference between Section 8 and public housing in Oak Harbor, WA 98278?

Public housing is owned by a housing authority — you apply with that agency, not at the building. Project-based Section 8 is a HUD contract on a private building; the subsidy stays with the apartment. A Housing Choice Voucher is different: you apply with the housing authority and can use it at a landlord who takes it. Estimate voucher rent share with the Section 8 calculator.

How much rent do you pay for low-income housing in Oak Harbor, WA 98278?

In public housing and most Section 8 in Oak Harbor, WA 98278, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Oak Harbor, WA 98278 is $1,870 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.

Can I use a Section 8 voucher at affordable apartments in Oak Harbor, WA 98278?

A Housing Choice Voucher is not automatically accepted at every building in Oak Harbor, WA 98278. Project-based Section 8 units already have a subsidy on the apartment — you apply there, not with a tenant voucher. For a voucher, apply with the housing authority, then ask each landlord. Estimate your share with the Section 8 calculator.

Is there senior affordable housing in Oak Harbor, WA 98278?

This page may still list buildings in Oak Harbor, WA 98278 that accept seniors without being senior-only. Use the filters and call to ask about age set-asides.

Nearby ZIP codes

Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026; USDA Rural Development multifamily, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.

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