City · 17,149 residents · Kitsap County, Washington
Port Orchard, Washington
In Port Orchard, a typical home is worth $539,700 and typical rent is $1,797 a month. Compared with all of Kitsap County, typical household income is 14% lower and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $508,249 to $555,588.
Typical rent
$2,006a month
▲ 4.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,682 to $2,006.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Port Orchard 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
Nearby, in Bremerton, the typical home value is $439,400: 19% less than in Port Orchard ($539,700).
2
62% of households in Port Orchard own their home, against 70% in Kitsap County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Port Orchard
What homes there are in Port Orchard, 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
Port Orchard
Kitsap County
Washington
United States
Kind of home: Port Orchard and its comparisons
Measure
Port Orchard
Kitsap County
Washington
United States
Detached house
67%
71%
62%
61%
Attached house
3%
4%
4%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
22%
13%
22%
19%
Mobile home
Unreliable estimate
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Port Orchard, 7 in 10 homes are single-family detached houses; in Kitsap County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Port Orchard
Kitsap County
Washington
United States
Year built: Port Orchard and its comparisons
Measure
Port Orchard
Kitsap County
Washington
United States
Before 1960
13%
17%
21%
26%
1960–1979
14%
22%
23%
24%
1980–1999
24%
35%
27%
25%
2000–2009
18%
14%
15%
14%
2010 or later
31%
12%
14%
11%
The typical home in Port Orchard was built in 1999, 13 years after the typical one in Kitsap County.
There are fewer big homes in Port Orchard than in Kitsap County: 61% have 3 bedrooms or more, against 66%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K36%
$500K–$750K46%
$750K–$1M9%
$1M or moreUnreliable
Value of owner-occupied homes: Port Orchard and its comparisons
Measure
Port Orchard
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
36%
$500K–$750K
46%
$750K–$1M
9%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49912%
$1,500–$1,99949%
$2,000–$2,49923%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Port Orchard and its comparisons
Measure
Port Orchard
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
12%
$1,500–$1,999
49%
$2,000–$2,499
23%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,359 a month
Kitsap County: $2,330 a month
Without a mortgage
$806 a month
Kitsap County: $758 a month
Owners with a mortgage
81%
Kitsap County: 68%
Owning costs about the same in Port Orchard as in Kitsap County: with a mortgage, $2,359 a month; without one, $806.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port Orchard+67%
Kitsap County+68%
Washington+67%
United States+53%
Typical rent
Port Orchard+47%
Kitsap County+46%
Washington+40%
United States+33%
Typical household income
Port Orchard+28%
Kitsap County+38%
Washington+33%
United States+29%
Change since 2015–2019: Port Orchard and its comparisons
Measure
Port Orchard
Kitsap County
Washington
United States
Typical home value
+67%
+68%
+67%
+53%
Typical rent
+47%
+46%
+40%
+33%
Typical household income
+28%
+38%
+33%
+29%
Much as in Kitsap County, the typical home value in Port Orchard rose 67% since 2015–2019.
The typical rent in Port Orchard rose 47% since 2015–2019, about the same as in Kitsap County (46%).
Here income did not keep up with housing: it rose 28%, while home values changed +67% and rent +47%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port Orchard and its comparisons
Measure
Port Orchard
Kitsap County
Washington
United States
Rental vacancy
Unreliable estimate
4.3%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.7%
0.9%
More than one person per room
Unreliable estimate
2.1%
3.5%
3.4%
People per household
2.38
2.49
2.50
2.53
Drive alone
68%
63%
63%
69%
Carpool
7%
9%
9%
9%
Public transit
7%
5%
3%
3%
Walk or bike
Unreliable estimate
5%
4%
3%
Work from home
13%
16%
20%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Kitsap County, a household in Port Orchard has 2.38 people on average.
To get to work, 68% of workers in Port Orchard drive alone; in Kitsap County, 63%.
Do the math
What would you pay each month for a home in Port Orchard?
A typical home costs more than the typical income allows
We start with a typical home in Port Orchard, worth $539,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Port Orchard, which is $89,795 a year. For that payment to be 28% of income, a household would need to earn about $187,984 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 Port Orchard. 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 $18,890 (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
$4,386
at 7.18% · 30 years
Loan amount
$529,924
Total interest
$762,437
Paid off in
November 2056
Includes $9,114 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,095 a month
Tight
$2,095 to $2,694 a month
Hard
more than $2,694 a month
Your payment · 59%
Compared with the typical household income in Port Orchard ($89,795 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,590
Property tax
$333
Home insurance
$225
FHA mortgage insurance (MIP)
$239
You need at least $18,890 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 $4,386; principal and interest $3,590.
The city and its county
Port Orchard and Kitsap County
Port Orchard 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).
Port Orchard
Map of Kitsap County, Washington, with Port Orchard marked. Around it, the neighboring counties.
Port Orchard
Kitsap County
Other cities with a page
Port Orchard's own numbers
Typical home value
$539,700
Typical monthly rent
$1,797
Typical yearly household income
$89,795
Households that own their home
62%
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 Port Orchard is worth $539,700: 3% below the county and 4% below Washington. With the typical household income in Port Orchard ($89,795 a year), a typical home costs 6.0 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.
Port Orchard6.0 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
Port Orchard 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
Port Orchard$539,700
Kitsap$555,100
Washington$564,600
United States$332,700
Typical monthly rent
Port Orchard$1,797
Kitsap$1,822
Washington$1,760
United States$1,413
Typical yearly household income
Port Orchard$89,795
Kitsap$104,158
Washington$98,141
United States$80,734
See the full table
Port Orchard next to Kitsap County and Washington
Measure
Port Orchard
Kitsap County
Washington
U.S.
Typical home value
$539,700 ▼3% below the county
$555,100
$564,600
$332,700
Typical monthly rent
$1,797
$1,822
$1,760
$1,413
Typical yearly household income
$89,795 ▼14% below the county
$104,158
$98,141
$80,734
Households that own their home
62% ▼8 points below the county
70%
64%
65%
Typical yearly property tax
$3,992 ▼7% 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
54% ▲1 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 Port Orchard
For a typical $539,700 home in Port Orchard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Orchard's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,386a month
Least cash to close
Down payment
$18,890
Cash to close
$35,081
Rate
7.18%
Mortgage insurance
FHA MIP · $239
Conventional, 5% down$4,287a month
Down payment
$26,985
Cash to close
$43,176
Rate
7.18%
Mortgage insurance
PMI · $256
Conventional, 20% down, no PMI$3,483a month
Down payment
$107,940
Cash to close
$124,131
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,982a month
Down payment
$80,955
Cash to close
$97,146
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port Orchard
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,386
$18,890
$529,925
7.18%
FHA MIP · $239
$35,081
580
Conventional, 5% down
$4,287
$26,985
$512,715
7.18%
PMI · $256
$43,176
620*
Conventional, 20% down, no PMI
$3,483
$107,940
$431,760
7.18%
None
$124,131
620*
ITIN, 15% down (example)
$3,982
$80,955
$458,745
8.18%
None
$97,146
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 Port Orchard is $1,797 a month: about the same as the county. In Port Orchard, 54% 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 Port Orchard
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Orchard has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,900 in 98366 to $2,020 in 98367.
1 of the 2 is above the fair market rent for Kitsap County ($1,967).
Fair market rent by ZIP code and size in Port Orchard, fiscal year 2027.
98366
$1,320
$1,480
$1,900
$2,550
$2,710
98367
$1,410
$1,580
$2,020
$2,710
$2,880
ZIP code2 bd3 bd
98366 $1,900$2,550
98367 $2,020$2,710
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Orchard 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 14 buildings with rents for lower incomes in Port Orchard. These are the largest.
Viewmont East1904 Pioneer Ln SE, Port Orchard 9836677 homes, 76 low-income · 1 bd: 15 · 2 bd: 46 · 3 bd: 16 · In service since 2002
Viewmont East1900 Pioneer Ln SE, Port Orchard 9836676 low-income homes · For families(360) 895-1454
Heritage Apts105 Lippert Dr W, Port Orchard 9836657 homes, 56 low-income · For families(360) 602-0154
Heritage Apartments145 Lippert Dr W, Port Orchard 9836656 low-income homes · 1 bd: 8 · 2 bd: 40 · 3 bd: 9 · In service since 2002
Olympic Pointe Apts I3100 SE Orlando St, Port Orchard 9836651 low-income homes · 2 bd: 24 · 3 bd: 27 · In service since 1996 · For people with disabilities, families
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 Port Orchard or Kitsap County. The ones below are statewide in Washington: they work in Port Orchard 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.
The HUD-approved agencies closest to the center of Port Orchard, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
AF
American Financial Solutions
500 Pacific Avenue, Bremerton · 2 miles away · Spanish
No legal help resource on our list is for Port Orchard 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 Port Orchard 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 Port Orchard?
The typical home value in Port Orchard is $539,700, 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 Port Orchard?
Typical rent in Port Orchard is $1,797 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 Port Orchard?
Port Orchard 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 Port Orchard?
The typical homeowner in Port Orchard pays $3,992 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 Port Orchard?
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.
