City · 20,685 residents · Kitsap County, Washington
Silverdale, Washington
In Silverdale, a typical home is worth $555,300 and typical rent is $2,143 a month. Compared with all of Kitsap County, typical rent is 18% higher and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $554,767 to $601,583.
Typical rent
$2,093a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,093 to $2,093.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Silverdale 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
52% of households in Silverdale own their home, against 70% in Kitsap County.
2
Nearby, in Bremerton, the typical rent is $1,641: 23% less than in Silverdale ($2,143).
3
Nearby, in Bremerton, the typical home value is $439,400: 21% less than in Silverdale ($555,300).
4
The typical rent in Silverdale is $2,143 a month, 18% more than in Kitsap County as a whole ($1,822).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Silverdale
What homes there are in Silverdale, 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
Silverdale
Kitsap County
Washington
United States
Kind of home: Silverdale and its comparisons
Measure
Silverdale
Kitsap County
Washington
United States
Detached house
51%
71%
62%
61%
Attached house
6%
4%
4%
6%
Building of 2 to 4
9%
6%
6%
8%
Apartments (5 or more)
31%
13%
22%
19%
Mobile home
3%
6%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Silverdale (51%), but less so than in Kitsap County (71%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Silverdale
Kitsap County
Washington
United States
Year built: Silverdale and its comparisons
Measure
Silverdale
Kitsap County
Washington
United States
Before 1960
6%
17%
21%
26%
1960–1979
15%
22%
23%
24%
1980–1999
58%
35%
27%
25%
2000–2009
13%
14%
15%
14%
2010 or later
9%
12%
14%
11%
Homes in Silverdale are newer: the typical year built is 1992; in Kitsap County, 1986.
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–$500K34%
$500K–$750K47%
$750K–$1M10%
$1M or moreUnreliable
Value of owner-occupied homes: Silverdale and its comparisons
Measure
Silverdale
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
34%
$500K–$750K
47%
$750K–$1M
10%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49910%
$1,500–$1,99920%
$2,000–$2,49946%
$2,500–$2,99912%
$3,000 or more5%
Monthly rent with utilities: Silverdale and its comparisons
Measure
Silverdale
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
10%
$1,500–$1,999
20%
$2,000–$2,499
46%
$2,500–$2,999
12%
$3,000 or more
5%
With a mortgage
$2,314 a month
Kitsap County: $2,330 a month
Without a mortgage
$745 a month
Kitsap County: $758 a month
Owners with a mortgage
69%
Kitsap County: 68%
Owning costs about the same in Silverdale as in Kitsap County: with a mortgage, $2,314 a month; without one, $745.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Silverdale+67%
Kitsap County+68%
Washington+67%
United States+53%
Typical rent
Silverdale+51%
Kitsap County+46%
Washington+40%
United States+33%
Typical household income
Silverdale+37%
Kitsap County+38%
Washington+33%
United States+29%
Change since 2015–2019: Silverdale and its comparisons
Measure
Silverdale
Kitsap County
Washington
United States
Typical home value
+67%
+68%
+67%
+53%
Typical rent
+51%
+46%
+40%
+33%
Typical household income
+37%
+38%
+33%
+29%
From 2015–2019 to 2020–2024, home values in Silverdale rose at about the same pace as in Kitsap County: 67% against 68%.
Rents in Silverdale rose faster than in Kitsap County: 51% since 2015–2019, against 46%.
Housing prices ran ahead of income in Silverdale: typical income rose 37%, against +67% for home values and +51% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Silverdale and its comparisons
Measure
Silverdale
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
75%
63%
63%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
5%
3%
3%
Walk or bike
Unreliable estimate
5%
4%
3%
Work from home
9%
16%
20%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Silverdale has 2.38 people on average, about the same as in Kitsap County (2.49).
To get to work, 75% of workers in Silverdale drive alone; in Kitsap County, 63%.
Do the math
What would you pay each month for a home in Silverdale?
A typical home costs more than the typical income allows
We start with a typical home in Silverdale, worth $555,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Silverdale, which is $105,483 a year. For that payment to be 28% of income, a household would need to earn about $194,012 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 Silverdale. 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 $19,436 (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
$4,527
at 7.18% · 30 years
Loan amount
$545,242
Total interest
$784,475
Paid off in
November 2056
Includes $9,378 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,461 a month
Tight
$2,461 to $3,164 a month
Hard
more than $3,164 a month
Your payment · 52%
Compared with the typical household income in Silverdale ($105,483 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,694
Property tax
$356
Home insurance
$231
FHA mortgage insurance (MIP)
$246
You need at least $19,436 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 $4,527; principal and interest $3,694.
The city and its county
Silverdale and Kitsap County
Silverdale 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).
Silverdale
Map of Kitsap County, Washington, with Silverdale marked. Around it, the neighboring counties.
Silverdale
Kitsap County
Other cities with a page
Silverdale's own numbers
Typical home value
$555,300
Typical monthly rent
$2,143
Typical yearly household income
$105,483
Households that own their home
52%
Effective property tax rate
0.77%
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 Silverdale is worth $555,300: about the same as the county and about the same as Washington. With the typical household income in Silverdale ($105,483 a year), a typical home costs 5.3 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.
Silverdale5.3 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
Silverdale 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
Silverdale$555,300
Kitsap$555,100
Washington$564,600
United States$332,700
Typical monthly rent
Silverdale$2,143
Kitsap$1,822
Washington$1,760
United States$1,413
Typical yearly household income
Silverdale$105,483
Kitsap$104,158
Washington$98,141
United States$80,734
See the full table
Silverdale next to Kitsap County and Washington
Measure
Silverdale
Kitsap County
Washington
U.S.
Typical home value
$555,300
$555,100
$564,600
$332,700
Typical monthly rent
$2,143 ▲18% above the county
$1,822
$1,760
$1,413
Typical yearly household income
$105,483
$104,158
$98,141
$80,734
Households that own their home
52% ▼18 points below the county
70%
64%
65%
Typical yearly property tax
$4,278
$4,279
$4,556
$3,119
Effective property tax rate
0.77%
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 Silverdale
For a typical $555,300 home in Silverdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Silverdale's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,527a month
Least cash to close
Down payment
$19,436
Cash to close
$36,095
Rate
7.18%
Mortgage insurance
FHA MIP · $246
Conventional, 5% down$4,425a month
Down payment
$27,765
Cash to close
$44,424
Rate
7.18%
Mortgage insurance
PMI · $264
Conventional, 20% down, no PMI$3,597a month
Down payment
$111,060
Cash to close
$127,719
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,111a month
Down payment
$83,295
Cash to close
$99,954
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Silverdale
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,527
$19,436
$545,242
7.18%
FHA MIP · $246
$36,095
580
Conventional, 5% down
$4,425
$27,765
$527,535
7.18%
PMI · $264
$44,424
620*
Conventional, 20% down, no PMI
$3,597
$111,060
$444,240
7.18%
None
$127,719
620*
ITIN, 15% down (example)
$4,111
$83,295
$472,005
8.18%
None
$99,954
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 Silverdale is $2,143 a month: 18% above the county. In Silverdale, 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 Silverdale
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Silverdale has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,040 in 98370 to $2,300 in 98383.
2 of the 2 are above the fair market rent for Kitsap County ($1,967).
Fair market rent by ZIP code and size in Silverdale, fiscal year 2027.
98370
$1,420
$1,590
$2,040
$2,740
$2,910
98383
$1,600
$1,800
$2,300
$3,080
$3,280
ZIP code2 bd3 bd
98370 $2,040$2,740
98383 $2,300$3,080
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Silverdale 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 4 buildings with rents for lower incomes in Silverdale. These are the largest.
Vintage at Silverdale3291 NW Mount Vintage Way, Silverdale 98383240 homes, 237 low-income · 1 bd: 65 · 2 bd: 175 · In service since 2008 · For older adults, people with disabilities
Golden Tides II9239 Bay Shore Dr NW, Silverdale 9838345 homes, 44 low-income · 1 bd: 41 · 2 bd: 3 · In service since 1996 · For older adults
Danwood Apartments9711 Danwood Ln NW, Silverdale 9838340 homes, 39 low-income · 1 bd: 6 · 2 bd: 28 · 3 bd: 6 · In service since 2001 · For families
Golden Tides III9225 Bay Shore Dr NW, Silverdale 9838318 low-income homes · 1 bd: 18 · In service since 2000 · For older adults, 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 Silverdale or Kitsap County. The ones below are statewide in Washington: they work in Silverdale 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 Silverdale 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 Silverdale 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 Silverdale?
The typical home value in Silverdale is $555,300, 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 Silverdale?
Typical rent in Silverdale is $2,143 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 Silverdale?
Silverdale 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 Silverdale?
The typical homeowner in Silverdale pays $4,278 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Kitsap County, the rate is 0.77%.
Where can I find free help to buy or rent in Silverdale?
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.
