Kitsap County, Washington home prices
Typical home $579,133 · +1.1% in a year · property tax 0.77%
The typical home in Kitsap County is worth $579,133, about the same as the Washington typical home ($587,533). Values changed +1.1% in the past year and +7.8% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($4,464 on the typical home), versus 0.81% statewide.
Mortgage on the typical Kitsap County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $115,827 | $463,307 | $3,117 | $0 | $662 | $3,778 | $161,900 |
| 10% down | $57,913 | $521,220 | $3,506 | $217 | $662 | $4,385 | $187,900 |
| 5% down | $28,957 | $550,177 | $3,701 | $229 | $662 | $4,592 | $196,800 |
| 3.5% down (FHA) | $20,270 | $568,644 | $3,825 | $256 | $662 | $4,743 | $203,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Washington · part of the Bremerton metro area.
Washington counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Skagit County | $576,374 | +0.7% | 0.79% |
| Jefferson County | $593,704 | -0.5% | 0.71% |
| Skamania County | $559,410 | +0.6% | 0.67% |
| Pierce County | $559,277 | +0.2% | 0.91% |
| Whatcom County | $607,644 | +0.3% | 0.7% |
| Clark County | $541,704 | +0.2% | 0.82% |
| Chelan County | $531,212 | -0.8% | 0.71% |
| Island County | $634,229 | +0.5% | 0.67% |
| Thurston County | $521,378 | +0.1% | 0.88% |
| Kittitas County | $494,987 | +0.2% | 0.71% |
Frequently asked questions
What is the average home price in Kitsap County, WA?
The typical home value in Kitsap County is $579,133 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kitsap County?
About $161,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kitsap County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).