The typical owner-occupied home in Kitsap County is worth about $555,100, about the same as the Washington median of $564,600 and 67% above the national median of $332,700. Owners pay a median $4,279 a year in property taxes, about 0.77% of their home's value, close to the Washington rate of 0.81%. The median household earns $104,158 a year, so the median home costs 5.3 times the median income (5.8 times for Washington). 70% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Kitsap County at a glance
| Kitsap County | Washington | U.S. | |
|---|---|---|---|
| Median home value | $555,100 | $564,600 | $332,700 |
| Median property tax paid per year | $4,279 | $4,556 | $3,119 |
| Property tax as a share of value | 0.77% | 0.81% | 0.94% |
| Median household income | $104,158 | $98,141 | $80,734 |
| Homes lived in by their owners | 70% | 64% | 65% |
| Owner homes with a mortgage | 68% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $2,330 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 22.0% | 22.2% | 21.0% |
| Median rent | $1,822 | $1,760 | $1,413 |
| Rent as a share of renters' income | 31.3% | 30.0% | 30.6% |
| Median year homes were built | 1986 | 1985 | 1980 |
| Vacant homes | 7.2% | 7.3% | 10.1% |
| Population | 277,881 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Kitsap County
At this week's average 30-year rate of 7.11%, buying the median Kitsap County home of $555,100 with 20% down costs about $3,575 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,500, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $153,207 for the 20%-down payment. That payment is 41% of the median Kitsap County household income of $104,158; at that income and 20% down, the 28% guideline points to a home of about $377,000.
The median rent here is $1,822 a month, so owning the median home costs about $1,753 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $111,020 |
|---|---|
| Loan amount | $444,080 |
| Principal and interest | $2,987 |
| Property taxes (0.77% a year) | $356 |
| Homeowners insurance (our estimate, 0.5% a year) | $231 |
| PMI | $0 |
| Total per month | $3,575 |
Change the numbers in the calculator
| Down payment | $19,428 |
|---|---|
| Loan amount | $545,046 |
| Principal and interest | $3,667 |
| Property taxes (0.77% a year) | $356 |
| Homeowners insurance (our estimate, 0.5% a year) | $231 |
| FHA mortgage insurance | $246 |
| Total per month | $4,500 |
Change the numbers in the calculator
Questions about home buying in Kitsap County
What is the median home value in Kitsap County?
About $555,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kitsap County?
Homeowners pay a median $4,279 a year, which is about 0.77% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Kitsap County?
For the median home with 20% down at 7.11%, the payment is about $3,575 a month. Keeping that under 28% of gross income takes about $153,207 a year.
More about Kitsap County
- Mortgage Refinance in Kitsap County
- Debt Relief in Kitsap County
- Home Equity Loans in Kitsap County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data