Home Affordability in Kitsap County, WA
A typical home in Kitsap County is worth $589,268, up 1.3% year over year. The effective property tax rate is 0.77% of value, and the 2026 conforming loan limit here is $832,750 — borrow more than that and you need a jumbo loan.
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 $589,268. 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 | $321,000 | $265,000 | $243,000 | $259,000 |
| $100,000 | $439,000 | $363,000 | $332,000 | $354,000 |
| $125,000 | $558,000 | $460,000 | $422,000 | $450,000 |
| $150,000 | $676,000 | $558,000 | $512,000 | $546,000 |
| $200,000 | $913,000 | $754,000 | $691,000 | $737,000 |
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 | $488,829 | +1.2% | $110,000 | Details |
| Port Orchard | $565,709 | +1.9% | $127,000 | Details |
| Poulsbo | $675,871 | +0.8% | $150,000 | Details |
| Silverdale | $610,290 | +1.5% | $136,000 | Details |
| Bainbridge Island | $1,200,693 | +0.3% | $261,000 | Details |
| Kingston | $674,749 | +0.6% | $150,000 | Details |
| Olalla | $734,211 | +0.8% | $162,000 | Details |
| Seabeck | $704,270 | +3.3% | $156,000 | Details |
| Hansville | $720,858 | +0.7% | $159,000 | Details |
| Suquamish | $477,209 | -0.8% | $108,000 | Details |
| Keyport | $577,399 | +2.4% | $129,000 | Details |
| Indianola | $690,334 | +1.5% | $153,000 | Details |
The cheapest places in the county are Suquamish ($477K), Bremerton ($489K), Port Orchard ($566K).
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 $164K 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.