City · 44,830 residents · Kitsap County, Washington
Bremerton, Washington
In Bremerton, a typical home is worth $439,400 and typical rent is $1,641 a month. Compared with all of Kitsap County, typical household income is 28% lower, the typical home value is 21% lower, and the share of households that own their home is 22 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $453,512 to $479,232.
Typical rent
$1,879a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,611 to $1,879.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bremerton is in Kitsap County. The FHA loan limit ($616,400 for a one-unit home), the fair market rents and the help on this page are those of all of Kitsap County. See the county
What this place has that others do not, from public data, most unusual first.
1
48% of households in Bremerton own their home, against 70% in Kitsap County.
2
The typical household income in Bremerton is $74,940,28% less than in Kitsap County as a whole ($104,158).
3
The typical home in Bremerton is worth $439,400,21% less than in Kitsap County as a whole ($555,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bremerton
What homes there are in Bremerton, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bremerton
Kitsap County
Washington
United States
Kind of home: Bremerton and its comparisons
Measure
Bremerton
Kitsap County
Washington
United States
Detached house
52%
71%
62%
61%
Attached house
7%
4%
4%
6%
Building of 2 to 4
16%
6%
6%
8%
Apartments (5 or more)
24%
13%
22%
19%
Mobile home
2%
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Bremerton, 5 in 10 homes are single-family detached houses; in Kitsap County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Bremerton
Kitsap County
Washington
United States
Year built: Bremerton and its comparisons
Measure
Bremerton
Kitsap County
Washington
United States
Before 1960
42%
17%
21%
26%
1960–1979
23%
22%
23%
24%
1980–1999
17%
35%
27%
25%
2000–2009
7%
14%
15%
14%
2010 or later
12%
12%
14%
11%
The typical home in Bremerton was built in 1969, 17 years before the typical one in Kitsap County.
Homes in Bremerton are smaller: 43% have 3 bedrooms or more; in Kitsap County, 66%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K3%
$200K–$300K11%
$300K–$500K52%
$500K–$750K24%
FHA limit: $616,400
$750K–$1M6%
$1M or more2%
Value of owner-occupied homes: Bremerton and its comparisons
Measure
Bremerton
Under $100K
3%
$100K–$200K
3%
$200K–$300K
11%
$300K–$500K
52%
$500K–$750K
24%
$750K–$1M
6%
$1M or more
2%
The FHA loan limit for Kitsap County is $616,400, and about 80% of owner-occupied homes in Bremerton are worth less than that.
Monthly rent with utilities
Under the limitOver the limit
Under $5006%
$500–$99911%
$1,000–$1,49922%
$1,500–$1,99938%
HUD fair market rent, 2 bedrooms: $1,967
$2,000–$2,49915%
$2,500–$2,9995%
$3,000 or more3%
Monthly rent with utilities: Bremerton and its comparisons
Measure
Bremerton
Under $500
6%
$500–$999
11%
$1,000–$1,499
22%
$1,500–$1,999
38%
$2,000–$2,499
15%
$2,500–$2,999
5%
$3,000 or more
3%
About 75% of rented homes in Bremerton cost less than HUD's 2-bedroom fair market rent for Kitsap County ($1,967).
With a mortgage
$1,994 a month
Kitsap County: $2,330 a month
Without a mortgage
$681 a month
Kitsap County: $758 a month
Owners with a mortgage
73%
Kitsap County: 68%
Owning costs less in Bremerton: with a mortgage, the typical cost is $1,994 a month; in Kitsap County, $2,330. Without one, $681.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bremerton+84%
Kitsap County+68%
Washington+67%
United States+53%
Typical rent
Bremerton+59%
Kitsap County+46%
Washington+40%
United States+33%
Typical household income
Bremerton+42%
Kitsap County+38%
Washington+33%
United States+29%
Change since 2015–2019: Bremerton and its comparisons
Measure
Bremerton
Kitsap County
Washington
United States
Typical home value
+84%
+68%
+67%
+53%
Typical rent
+59%
+46%
+40%
+33%
Typical household income
+42%
+38%
+33%
+29%
Since 2015–2019, homes in Bremerton gained value faster than in Kitsap County: 84% against 68%.
Since 2015–2019, the typical rent in Bremerton rose 59%, more than in Kitsap County (46%).
Here income did not keep up with housing: it rose 42%, while home values changed +84% and rent +59%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bremerton and its comparisons
Measure
Bremerton
Kitsap County
Washington
United States
Rental vacancy
5.0%
4.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.7%
0.9%
More than one person per room
3.0%
2.1%
3.5%
3.4%
People per household
2.27
2.49
2.50
2.53
Drive alone
54%
63%
63%
69%
Carpool
12%
9%
9%
9%
Public transit
6%
5%
3%
3%
Walk or bike
13%
5%
4%
3%
Work from home
12%
16%
20%
15%
Other means
2%
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Bremerton look like those in Kitsap County: the rental vacancy rate is 5.0%.
More than one person per room: that is how 3.0% of households in Bremerton live, near the figure in Kitsap County (2.1%).
Households in Bremerton are smaller: 2.27 people on average; in Kitsap County, 2.49.
Many here get to work on foot or by bike: 13%, more than in Kitsap County (5%).
Do the math
What would you pay each month for a home in Bremerton?
A typical home costs more than the typical income allows
We start with a typical home in Bremerton, worth $439,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Bremerton, which is $74,940 a year. For that payment to be 28% of income, a household would need to earn about $153,048 a year.
The calculator's FHA and conventional loan limits are those of all of Kitsap County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bremerton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $15,379 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,571
at 7.18% · 30 years
Loan amount
$431,441
Total interest
$620,743
Paid off in
November 2056
Includes $7,420 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,749 a month
Tight
$1,749 to $2,248 a month
Hard
more than $2,248 a month
Your payment · 57%
Compared with the typical household income in Bremerton ($74,940 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,923
Property tax
$271
Home insurance
$183
FHA mortgage insurance (MIP)
$194
You need at least $15,379 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,571; principal and interest $2,923.
The city and its county
Bremerton and Kitsap County
Bremerton is in Kitsap County, Washington. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Bremerton
Map of Kitsap County, Washington, with Bremerton marked. Around it, the neighboring counties.
Bremerton
Kitsap County
Other cities with a page
Bremerton's own numbers
Typical home value
$439,400
Typical monthly rent
$1,641
Typical yearly household income
$74,940
Households that own their home
48%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kitsap County
FHA limit, one-unit home
$616,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,967
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
1.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Kitsap County.
A typical home in Bremerton is worth $439,400: 21% below the county and 22% below Washington. With the typical household income in Bremerton ($74,940 a year), a typical home costs 5.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Bremerton5.9 years
Kitsap5.3 years
Washington5.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kitsap County
According to FHFA’s house price index, home prices in Kitsap County rose 114% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kitsap County.
Yearly change in FHFA’s price index in Kitsap County, 2016 to 2025
2016: +10.0% +10.0% 2016
2017: +10.1% +10.1% 2017
2018: +10.7% +10.7% 2018
2019: +6.9% +6.9% 2019
2020: +5.9% +5.9% 2020
2021: +15.1% +15.1% 2021
2022: +15.8% +15.8% 2022
2023: −0.3% −0.3% 2023
2024: +3.4% +3.4% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Kitsap County, Washington and the United States
Period
County
Washington
U.S.
Last year (2025)
+2.7%
+1.8%
+2.9%
5 years (2020–2025)
+41%
+44%
+47%
10 years (2015–2025)
+114%
+113%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Bremerton next to Kitsap County, Washington and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Bremerton$439,400
Kitsap$555,100
Washington$564,600
United States$332,700
Typical monthly rent
Bremerton$1,641
Kitsap$1,822
Washington$1,760
United States$1,413
Typical yearly household income
Bremerton$74,940
Kitsap$104,158
Washington$98,141
United States$80,734
See the full table
Bremerton next to Kitsap County and Washington
Measure
Bremerton
Kitsap County
Washington
U.S.
Typical home value
$439,400 ▼21% below the county
$555,100
$564,600
$332,700
Typical monthly rent
$1,641 ▼10% below the county
$1,822
$1,760
$1,413
Typical yearly household income
$74,940 ▼28% below the county
$104,158
$98,141
$80,734
Households that own their home
48% ▼22 points below the county
70%
64%
65%
Typical yearly property tax
$3,268 ▼24% below the county
$4,279
$4,556
$3,119
Effective property tax rate
0.74% ▼0.03 points below the county
0.77%
0.81%
0.94%
Renters with high rent for their income
58% ▲5 points above the county
53%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kitsap County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Bremerton
For a typical $439,400 home in Bremerton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bremerton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,571a month
Least cash to close
Down payment
$15,379
Cash to close
$28,561
Rate
7.18%
Mortgage insurance
FHA MIP · $194
Conventional, 5% down$3,491a month
Down payment
$21,970
Cash to close
$35,152
Rate
7.18%
Mortgage insurance
PMI · $209
Conventional, 20% down, no PMI$2,835a month
Down payment
$87,880
Cash to close
$101,062
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,242a month
Down payment
$65,910
Cash to close
$79,092
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bremerton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,571
$15,379
$431,441
7.18%
FHA MIP · $194
$28,561
580
Conventional, 5% down
$3,491
$21,970
$417,430
7.18%
PMI · $209
$35,152
620*
Conventional, 20% down, no PMI
$2,835
$87,880
$351,520
7.18%
None
$101,062
620*
ITIN, 15% down (example)
$3,242
$65,910
$373,490
8.18%
None
$79,092
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Bremerton is $1,641 a month: 10% below the county. In Bremerton, 58% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kitsap County, by unit size. To pay the 2-bedroom one ($1,967 a month) without spending more than 30% of your income, you would need to earn $37.83 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kitsap County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,370
$26.35
$54,800
1 bedroom
$1,535
$29.52
$61,400
2 bedrooms
$1,967
$37.83
$78,680
3 bedrooms
$2,637
$50.71
$105,480
4 bedrooms
$2,804
$53.92
$112,160
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Bremerton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bremerton has 4 ZIP codes with their own.
For 2 bedrooms it runs from $1,830 in 98337 to $2,770 in 98314.
1 of the 4 is above the fair market rent for Kitsap County ($1,967).
2-bedroom fair market rent in each of the 4 ZIP codes of Bremerton, beside the one for Kitsap County. For 2 bedrooms it runs from $1,830 in 98337 to $2,770 in 98314. 1 of the 4 is above the fair market rent for Kitsap County ($1,967).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,967
Lowest: $1,830 (98337)Highest: $2,770 (98314)
Fair market rent by ZIP code and size in Bremerton, fiscal year 2027.
98310
$1,300
$1,450
$1,860
$2,490
$2,650
98312
$1,310
$1,470
$1,880
$2,520
$2,680
98314
$1,930
$2,160
$2,770
$3,710
$3,950
98337
$1,260
$1,400
$1,830
$2,410
$2,650
ZIP code2 bd3 bd
98310 $1,860$2,490
98312 $1,880$2,520
98314 $2,770$3,710
98337 $1,830$2,410
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bremerton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 20 buildings with rents for lower incomes in Bremerton. These are the largest.
Viewcrest Village Apartments3401 Spruce Ave, Bremerton 98310300 homes, 294 low-income · 2 bd: 283 · 3 bd: 17 · In service since 2003 · For people with disabilities
Cottage Bay Apartments2500 NE McWilliams Rd, Bremerton 98311172 homes, 169 low-income · 1 bd: 40 · 2 bd: 88 · 3 bd: 44 · In service since 2005 · For people with disabilities, families
Vintage at Bremerton Senior Living1717 Sheridan Rd, Bremerton 98310143 homes, 142 low-income · 1 bd: 69 · 2 bd: 74 · In service since 2018 · For older adults, people with disabilities
Griffin Glen5163 NE Mariah Ln, Bremerton 9831196 homes, 95 low-income · 1 bd: 12 · 2 bd: 43 · 3 bd: 36 · 4 bd: 5 · In service since 1996 · For people with disabilities, families
Summit at Bay Vista4650 Bay Vista Blvd, Bremerton 9831283 homes, 82 low-income · 1 bd: 52 · 2 bd: 31 · In service since 2011 · For people with disabilities
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Kitsap County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Bremerton or Kitsap County. The ones below are statewide in Washington: they work in Bremerton the same as in the rest of the state.
Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer.Offered by Washington State Housing Finance Commission.
Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people.Offered by Washington State Housing Finance Commission.
Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage.Offered by Washington State Housing Finance Commission.
No legal help resource on our list is for Bremerton or Kitsap County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bremerton and all of Kitsap County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Bremerton?
The typical home value in Bremerton is $439,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kitsap County it is $555,100.
How much does it cost to rent in Bremerton?
Typical rent in Bremerton is $1,641 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kitsap County is $1,967.
What is the FHA loan limit in Bremerton?
Bremerton uses the FHA limit for all of Kitsap County (2026): $616,400 for a one-unit home and $1,185,400 for a four-unit home.
How much property tax do owners pay in Bremerton?
The typical homeowner in Bremerton pays $3,268 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Kitsap County, the rate is 0.77%.
Where can I find free help to buy or rent in Bremerton?
There are 2 HUD-approved counseling agencies with an office in Kitsap County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
