Can You Afford a Home in Silverdale, WA?
A typical home in Silverdale is worth $602,343, up 1.4% over the past year. That is $22K above 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 Silverdale costs $602,343. 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 Silverdale compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Port Orchard | $556,370 | +1.8% | $126,000 |
| Keyport | $573,702 | +2.5% | $129,000 |
| Silverdale (this page) | $602,343 | +1.4% | $135,000 |
| Kingston | $662,920 | +0.5% | $148,000 |
| Poulsbo | $664,609 | +0.7% | $149,000 |
| Indianola | $675,003 | +1.3% | $151,000 |
| Seabeck | $688,668 | +3.2% | $154,000 |
If Silverdale is out of reach, Port Orchard, Keyport 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 Silverdale sell for less than $602,343, 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.