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City · 6,137 residents · Kitsap County, Washington

Tracyton , Washington

In Tracyton, a typical home is worth $470,200 and typical rent is $1,858 a month. Compared with all of Kitsap County, the typical home value is 15% lower and the share of households that own their home is 8 points higher.

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  • Typical home value

    $470,200

    15% below the county

    17% below Washington

    • Tracyton
    • Kitsap
    • Washington

  • Typical rent

    $1,858a month

    About the same as the county

    6% above Washington

    • Tracyton
    • Kitsap
    • Washington

  • Typical household income

    $103,935a year

    About the same as the county

    6% above Washington

    • Tracyton
    • Kitsap
    • Washington

  • Households that own their home

    78%

    8 points above the county

    14 points above Washington

    • Tracyton
    • Kitsap
    • Washington

Source: U.S. Census Bureau, Average 2020–2024

Tracyton 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Tracyton apart

What this place has that others do not, from public data, most unusual first.

  1. Tracyton has the 2nd largest share of rent-burdened renters of the 172 cities in Washington with more than 5,000 people (71%).

  2. The typical home in Tracyton is worth $470,200, 15% less than in Kitsap County as a whole ($555,100).

  3. 78% of households in Tracyton own their home, against 70% in Kitsap County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Tracyton

What homes there are in Tracyton, 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

The detached house is the most common home in Tracyton: 71% of homes, near the figure in Kitsap County (71%).

There are more mobile homes here than in Kitsap County: 12% of homes, against 6%.

Year built

In Tracyton, half of the homes were built before 1983; in Kitsap County, before 1986.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,093 a month

Kitsap County: $2,330 a month

Without a mortgage

$799 a month

Kitsap County: $758 a month

Owners with a mortgage

70%

Kitsap County: 68%

Owning costs less in Tracyton: with a mortgage, the typical cost is $2,093 a month; in Kitsap County, $2,330. Without one, $799.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Tracyton gained value faster than in Kitsap County: 79% against 68%.

The typical rent in Tracyton rose 45% since 2015–2019, about the same as in Kitsap County (46%).

While home values in Tracyton changed +79% and rent +45%, the typical household income rose 49%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureTracytonKitsap CountyWashingtonUnited States
Rental vacancy Unreliable estimate4.3%4.5%5.5%
Homeowner vacancy Unreliable estimate1.0%0.7%0.9%
More than one person per room Unreliable estimate2.1%3.5%3.4%
People per household 2.892.492.502.53
Drive alone 64%63%63%69%
Carpool 20%9%9%9%
Public transit Unreliable estimate5%3%3%
Walk or bike Unreliable estimate5%4%3%
Work from home 8%16%20%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Tracyton has 2.89 people, more than in Kitsap County (2.49).

In Tracyton, 20% of workers share a car to get to work; in Kitsap County, 9%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Tracyton?

A typical home costs more than the typical income allows

We start with a typical home in Tracyton, worth $470,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Tracyton, which is $103,935 a year. For that payment to be 28% of income, a household would need to earn about $164,280 a year.

The calculator's FHA and conventional loan limits are those of all of Kitsap County.

Your numbers

Local data
$

Starts at the typical home value in Tracyton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,457 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,833

at 7.18% · 30 years

Loan amount
$461,684
Total interest
$664,254
Paid off in
November 2056

Includes $7,941 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,425 a month

  • Tight

    $2,425 to $3,118 a month

  • Hard

    more than $3,118 a month

    Your payment · 44%

Compared with the typical household income in Tracyton ($103,935 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,833
Principal & interest$3,128
Property tax$302
Home insurance$196
FHA mortgage insurance (MIP)$208

You need at least $16,457 for the down payment, plus closing costs.

Next step

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.

The city and its county

Tracyton and Kitsap County

Tracyton 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).

Tracyton's own numbers

Typical home value
$470,200
Typical monthly rent
$1,858
Typical yearly household income
$103,935
Households that own their home
78%
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.

Everything about Kitsap County

Buying

Buying a home in Tracyton

A typical home in Tracyton is worth $470,200: 15% below the county and 17% below Washington. With the typical household income in Tracyton ($103,935 a year), a typical home costs 4.5 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.

  • Tracyton 4.5 years
  • Kitsap 5.3 years
  • Washington 5.8 years
  • United States 4.1 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.

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

Tracyton 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
  • Tracyton $470,200
  • Kitsap $555,100
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Tracyton $1,858
  • Kitsap $1,822
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Tracyton $103,935
  • Kitsap $104,158
  • Washington $98,141
  • United States $80,734
See the full table
Tracyton next to Kitsap County and Washington
Measure Tracyton Kitsap County Washington U.S.
Typical home value $470,200 $555,100 $564,600 $332,700
Typical monthly rent $1,858 $1,822 $1,760 $1,413
Typical yearly household income $103,935 $104,158 $98,141 $80,734
Households that own their home 78% 70% 64% 65%
Typical yearly property tax $3,631 $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 71% 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 Tracyton

For a typical $470,200 home in Tracyton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tracyton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,833a month

    Least cash to close
    Down payment
    $16,457
    Cash to close
    $30,563
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $208

  • Conventional, 5% down $3,747a month

    Down payment
    $23,510
    Cash to close
    $37,616
    Rate
    7.18%
    Mortgage insurance
    PMI · $223

  • Conventional, 20% down, no PMI $3,046a month

    Down payment
    $94,040
    Cash to close
    $108,146
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,481a month

    Down payment
    $70,530
    Cash to close
    $84,636
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Tracyton and for Kitsap County.

Property tax

Effective rate in Tracyton

0.77%of the home’s value each year

$3,631 a year for the typical owner in Tracyton.

  • Tracyton 0.77%
  • Kitsap 0.77%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Kitsap County

FEMA does not publish these numbers by city: they are for all of Kitsap County.

Homes in the high-risk zone
1.1%
1,128
Of those, with NFIP insurance
39%
County Washington U.S.
Homes in the high-risk zone 1.1% 1.6% 3.5%
Of those, with NFIP insurance 39% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Tracyton

Typical rent in Tracyton is $1,858 a month: about the same as the county. In Tracyton, 71% 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.

HUD fair market rent for all of Kitsap County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Tracyton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tracyton has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,860 in 98310 to $2,030 in 98311.

1 of the 2 is above the fair market rent for Kitsap County ($1,967).

  • 98310 $1,860$2,490
  • 98311 $2,030$2,720

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tracyton 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Tracyton

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Tracyton

No down payment, repair or rent-help program on our list is for Tracyton or Kitsap County. The ones below are statewide in Washington: they work in Tracyton the same as in the rest of the state.

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    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.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    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.

    Deferred

    See the program Official page

Housing counselors near Tracyton

The HUD-approved agencies closest to the center of Tracyton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Frameworks

    1310 Bertha Ave NW, Bremerton · 3 miles away

    • Home improvement and repairs
    • Workshops for new owners
    • and 2 more
    (360) 842-8059

  • American Financial Solutions

    500 Pacific Avenue, Bremerton · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (888) 864-8699

  • Credit.org - Seattle Branch

    450 Alaskan Way S, Seattle · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 431-8157

Every agency in Kitsap County All counseling agencies in Washington

Help in Spanish near Tracyton

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Tracyton

HUD’s record names them for Tracyton or Kitsap County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Kitsap County Consolidated Housing Auth Public housing and Section 8 vouchers (360) 535-6100

One other authority has an office in Kitsap County: see the list Source: HUD

Cities

Other cities in Kitsap County

These cities are also in Kitsap County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Kitsap County Housing in Washington

Nearby cities

The cities closest to Tracyton, with the typical home value.

Neighboring counties

If Kitsap County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Tracyton.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Tracyton

Short answers with the numbers for Tracyton 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 Tracyton?

The typical home value in Tracyton is $470,200, 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 Tracyton?

Typical rent in Tracyton is $1,858 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 Tracyton?

Tracyton 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 Tracyton?

The typical homeowner in Tracyton pays $3,631 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 Tracyton?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).