Home Affordability in Kitsap County, WA
A typical home in Kitsap County is worth $580,615, up 1.2% year over year. The effective property tax rate is 0.8% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Kitsap County costs $580,615. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income buys here
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $317,000 | $262,000 | $240,000 | $256,000 |
| $100,000 | $435,000 | $359,000 | $330,000 | $351,000 |
| $125,000 | $553,000 | $457,000 | $419,000 | $447,000 |
| $150,000 | $671,000 | $554,000 | $508,000 | $542,000 |
| $200,000 | $907,000 | $749,000 | $687,000 | $732,000 |
Conventional assumes 20% down. VA and credit-union 100% financing assume zero down with the funding fee financed into the loan; FHA assumes 3.5% down with mortgage insurance for the life of the loan. All hold housing at 33% of gross income and cap total debt at the program’s underwriting limit.
Towns in Kitsap County
| Town | Typical home | Year over year | Income needed | |
|---|---|---|---|---|
| Bremerton | $482,410 | +1.1% | $110,000 | Details |
| Port Orchard | $556,370 | +1.8% | $126,000 | Details |
| Poulsbo | $664,609 | +0.7% | $149,000 | Details |
| Silverdale | $602,343 | +1.4% | $135,000 | Details |
| Bainbridge Island | $1,177,754 | +0.5% | $257,000 | Details |
| Kingston | $662,920 | +0.5% | $148,000 | Details |
| Olalla | $721,304 | +1% | $161,000 | Details |
| Seabeck | $688,668 | +3.2% | $154,000 | Details |
| Hansville | $709,520 | +0.6% | $158,000 | Details |
| Suquamish | $469,753 | -0.9% | $107,000 | Details |
| Keyport | $573,702 | +2.5% | $129,000 | Details |
| Indianola | $675,003 | +1.3% | $151,000 | Details |
The cheapest places in the county are Suquamish ($470K), Bremerton ($482K), Port Orchard ($556K).
How the zero-down math actually works
Putting nothing down does not simply move the down payment to zero — it costs you twice. Zero-down programs price above conventional, and they finance a funding fee into the balance, so you start out owing more than the house cost. In Kitsap County that difference is worth roughly $163K of purchasing power at a $150,000 income.
The exception is the VA loan. If anyone on the loan is Active Duty, Reserve, or a Veteran, it prices below conventional and charges no mortgage insurance — and the funding fee is waived entirely with any VA disability rating. It is almost always the cheapest zero-down option, and it is worth about $46K more house than a credit-union 100% loan here.