WA mortgage rates

Kitsap County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Kitsap County, Washington. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Kitsap County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$616,400
2 units$789,100
3 units$953,850
4 units$1,185,400

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Kitsap County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Kitsap

A local view of the market.

In Kitsap County, Washington, the real estate market is experiencing a slight upward trend. As of October 2024, the median listing home price is $609,900, reflecting a 1.8% increase from the previous year. The median price per square foot stands at $307, and homes are selling for a median price of $570,000, indicating a competitive seller's market. The county is home to several prominent cities, including Bremerton, Port Orchard, Bainbridge Island, and Poulsbo. Bremerton, with a median home price of $480,000, is known for its affordability and vibrant community. Port Orchard offers a median home price of $600,000, while Bainbridge Island is the most expensive, with a median price of $1.4 million. Poulsbo, known for its charming atmosphere, has a median home price of $768,000. Living in Kitsap County offers a mix of rural and suburban experiences. The county features picturesque landscapes, with opportunities for farming and agriculture alongside suburban life. Major industries include defense, healthcare, and education, attracting a diverse workforce. The county's proximity to Seattle and its natural beauty make it an appealing destination for those seeking a balance between career opportunities and a serene living environment.

County snapshot

Market context.

WA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBremerton-Silverdale-Port OrchardMapped market area
Area code14740CBSA / MSA reference
Featured communitiesBremerton · Bainbridge IslandFrom the county record
Data year2026Aligned with this limit record
BremertonBainbridge Island
Top cities & communities

Communities to explore.

BremertonBainbridge Island
Questions & Answers

Refinancing in Kitsap County

Common questions about 2026 loan limits and refinancing opportunities in Washington.

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