Can You Afford a Home in Port Orchard, WA?
A typical home in Port Orchard is worth $556,370, up 1.8% over the past year. That is $24K below the Kitsap County typical of $580,615.
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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 Port Orchard costs $556,370. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Kitsap County
Prices below are what keeps housing at 33% of gross income, using Kitsap County’s 0.8% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| 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 |
How Port Orchard compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Suquamish | $469,753 | -0.9% | $107,000 |
| Bremerton | $482,410 | +1.1% | $110,000 |
| Port Orchard (this page) | $556,370 | +1.8% | $126,000 |
| Keyport | $573,702 | +2.5% | $129,000 |
| Silverdale | $602,343 | +1.4% | $135,000 |
| Kingston | $662,920 | +0.5% | $148,000 |
| Poulsbo | $664,609 | +0.7% | $149,000 |
If Port Orchard is out of reach, Suquamish, Bremerton sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Port Orchard sell for less than $556,370, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.