Washington micro-market
Healthcare practice financing in Oak Harbor, Washington
Direct answer
480 healthcare providers hold a Oak Harbor practice address, 198.7 per 10,000 of its 24,163 residents, 30 percent of them in aba and autism therapy. Island County recorded 0 SBA healthcare approvals worth $0, and Mount Vernon-Anacortes, WA sits 17 miles out.
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- Population: 24,163 residents (10K-25K band)1
- Healthcare providers registered here: 480 across 22 fields2
- Median household income: $72,0413
- Largest provider field: ABA and autism therapy: 144 registered providers2
- Medicare-certified providers in town: 1 across 1 categories4
- Nearest metro: Mount Vernon-Anacortes, WA, 17 miles1
Fields practicing inside Oak Harbor
The NPPES file puts 480 enumerated clinicians inside Oak Harbor, spread over 22 fields at 198.7 per 10,000 residents
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| ABA and autism therapy | 144 | 59.6 | NPPES [2] |
| Physical, occupational, and speech therapy | 94 | 38.9 | NPPES [2] |
| Behavioral and mental health group practices | 66 | 27.3 | NPPES [2] |
| Primary care and family medicine | 50 | 20.7 | NPPES [2] |
| General dentistry | 29 | 12.0 | NPPES [2] |
| Chiropractic | 18 | 7.4 | NPPES [2] |
| Dental specialties | 16 | 6.6 | NPPES [2] |
| Optometry and ophthalmology | 12 | 5.0 | NPPES [2] |
| Specialty physician groups | 10 | 4.1 | NPPES [2] |
| SUD treatment and residential | 6 | 2.5 | NPPES [2] |
| Clinical and toxicology labs | 6 | 2.5 | NPPES [2] |
| Independent pharmacy | 5 | 2.1 | NPPES [2] |
| Audiology and hearing centers | 5 | 2.1 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 4 | 1.7 | NPPES [2] |
| Podiatry | 3 | 1.2 | NPPES [2] |
| DME and HME suppliers | 3 | 1.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 3 | 1.2 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.8 | NPPES [2] |
| Dermatology | 1 | 0.4 | NPPES [2] |
| Non-medical home care | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Occupational health and drug testing | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] | |
| Dialysis facilities | 1 | CMS [4] |
A single Oak Harbor practice can hold more than one of these numbers. 30 percent sit in aba and autism therapy, counted as clinicians rather than as owners.
What lenders have already approved in Island County
0 healthcare approvals sit in the county file, so an appraiser here works from a short comparable set
| Line | Amount | Reading and source |
|---|---|---|
| Approvals on record | 0 | Counted for the fiscal year the SBA publishes [5] |
| Total approved capital | $0 | Everything approved to healthcare borrowers, added up [5] |
| Mean deal size | No approvals recorded | The dollar column over the approval column [5] |
| Lenders sited in the county | 29 | Places that write credit locally, NAICS 522 [6] |
Reading Oak Harbor the way a credit committee does
198.7 per 10,000 is the first number a credit analyst converts into a realistic new-patient count. With 0 approvals on record in Island County, expect a longer appraisal and a wider collateral discount. Household income of $72,041 in Oak Harbor is the number a lender uses to sanity check the self-pay share of a revenue projection.
Programs the Oak Harbor mix reaches for
- Practice acquisition
- Working capital term loan
- Startup and de novo
- Expansion, relocation, and build-out
- Equipment financing and leasing
The 22 fields practicing locally set this order. A funding partner, not this list, decides what is available in Washington.
What a funder reads first in Oak Harbor
What a funder opens first depends on the field. In Oak Harbor that means aba and autism therapy, physical, occupational, and speech therapy, behavioral and mental health group practices.
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| ABA and autism therapy (144) | Authorized hours against delivered hours, Payer mix stability, Billing compliance history | Working capital against authorization and billing lag |
| Physical, occupational, and speech therapy (94) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Behavioral and mental health group practices (66) | Clinician retention and productivity, Payer mix and Medicaid concentration, Re-authorization and session limit exposure | Working capital through the credentialing lag |
The first column is Oak Harbor's own NPPES count. The rest is how the field is generally underwritten, whether the address is Oak Harbor or anywhere else.
How Oak Harbor prices against its neighbors
Density is the number that moves an appraisal: 198.7 per 10,000 here
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Oak Harbor (current) | 24,163 | 480 | 198.7 | |
| Anacortes | 18,148 | 224 | 123.4 | 13 |
| Port Townsend | 10,649 | 213 | 200.0 | 14 |
| Mount Vernon | 35,344 | 587 | 166.1 | 17 |
| Burlington | 10,945 | 143 | 130.7 | 18 |
| Arlington | 21,959 | 273 | 124.3 | 24 |
| Marysville | 76,209 | 401 | 52.6 | 26 |
How Oak Harbor sits against the nearest metro
17 miles separate Oak Harbor from Mount Vernon-Anacortes, WA. Lease pricing follows Mount Vernon-Anacortes, WA, while revenue stays capped by the 24,163 residents here. Median household income runs $72,041, which is the number a funder converts into case acceptance on anything elective or cash-pay. Referral flow comes from outside Oak Harbor, which a projection needs to state plainly.
More of Washington
- Anacortes 18,148 residents
- Port Townsend 10,649 residents
- Mount Vernon 35,344 residents
- Burlington 10,945 residents
- Arlington 21,959 residents
- Marysville 76,209 residents
What owners in Oak Harbor ask
01How many providers practice in Oak Harbor, and in what?
Across 22 fields, Oak Harbor carries 480 enumerated clinicians, 198.7 per 10,000 of the 24,163 people living here. The concentration is in aba and autism therapy, 144 of the total, then physical, occupational, and speech therapy at 94. Count practices from that only with care.
02Why does Island County show so little SBA activity?
Island County shows 0 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 29 lending establishments operate locally.
03Which fields carry the volume in Oak Harbor?
Volume concentrates in aba and autism therapy, 144 of them, ahead of physical, occupational, and speech therapy at 94, across 22 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
04What does Island County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Island County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 24,163 residents gets past the question of who would take the job.
05Is Oak Harbor underwritten as part of Mount Vernon-Anacortes, WA?
Mount Vernon-Anacortes, WA sits 17 miles away, close enough that appraisers reach into that market for rent and resale comparables while your patient draw stays local. The comparables read Mount Vernon-Anacortes, WA; the 24,163 residents set the ceiling a projection can defend.
06What does a $72,041 median income mean for case acceptance?
Median household income in Oak Harbor runs $72,041. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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