An OCT apparatus and method for characterization of a fluid adjacent to a tympanic membrane has a low coherence source which is coupled to a splitter which has a measurement path and a reference path. The reference path is temporally modulated for length, and the combined signals from the reference path and the measurement path are applied to a detector. The detector examines the width of the response and the time variation when an optional excitation source is applied to the tympanic membrane, the width of the response and the time variation forming a metric indicating the viscosity of a fluid adjacent to the tympanic membrane being measured.