ZIP Code 43449 — Oak Harbor village, OH Demographics & Data

ZIP code 43449 covers Oak Harbor, OH in Ottawa County with a population of about 8,053.

At a glance, the area shows median age of 46.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 419, 567; U.S. House district OH-9; the TOLEDO media market.

Median household income in ZIP 43449 is about $71,496 — about 5% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 1.2%; 23.0% of adults with a bachelor’s degree or higher (about 10.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Education; about 6.5% of workers reporting work-from-home (about 8.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $174,600 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $607 (about 48% below the U.S. median rent ($1,163)), and owner-occupancy near 80.3% (about 14.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 43449 in Oak Harbor, OH, a household would need roughly $48,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,122. That sits below the local median household income ($71,496), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Oak Harbor village, OH as Relatively Low (composite score 59.2), which is near the middle of the national distribution. The strongest component scores on US5 are flood (72.6) and hurricane (44.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Oak Harbor village, OH show little to no average snow and around 38.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 341 for ZIP 43449 (Oak Harbor village, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.