Property tax in Kitsap County, Washington

A county-level estimate for buyers and owners, with the data vintage and uncertainty shown instead of hidden.

Estimated annual property tax

For a $555,100 home (the county median):

$4,279/yr (estimated range $3,637-$4,921)

Effective rate: 0.77% - Accuracy: Tier 1 - Medium confidence

Homeowners insurance budget

$2,091/yr (wide budgeting range $1,255-$2,928)

Low confidence This is a historical budgeting benchmark, not a current carrier quote. The baseline is the 2022 NAIC HO-3 state average of $1,151/yr, adjusted for home value and FEMA county risk.

FEMA risk percentile: 92.3 (Relatively Moderate)
NAIC baseline as of: 2022-12-31
FEMA version: 1.20, 2025-12-01

Sources: NAIC Homeowners Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.

Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.

Illustrative monthly PITI

$3,338/mo under the assumptions below

Monthly carrying-cost breakdown
Principal & interest	$2,807
Property tax	$357
Homeowners insurance	$174
PMI	$0
Estimated total	$3,338

Assumes 20% down, a 6.5% fixed interest rate, and a 30-year term. The rate is an assumption, not today's market rate or a loan offer.

How local carrying costs affect affordability

For an illustrative household earning $100,000/yr, with $500/mo in other debts and a $50,000 down payment, the modeled maximum price is:

$347,065 under this county's tax and insurance burden

Compared with the Washington launch-county average baseline of $352,257, this is $5,192 lower.

Medium confidence Uses 28% / 36% front/back DTI, a 6.5% assumed rate, a 30-year term, and estimated tax and insurance that scale with price. It is not a loan pre-approval.

Estimate for budgeting only — not a loan pre-approval, lending decision, or financial advice. Verify with the county assessor and a licensed professional before making financial decisions.

How Kitsap County compares within Washington

Tax-rate rank: 15 of 39 published Washington counties when sorted from highest to lowest effective rate.

The county's 0.77% effective rate is 0.04 percentage points above the Washington published-county average of 0.73%; the state median is 0.73%.

The $555,100 county median home value ranks 6 of 39 from highest to lowest and is $146,200 above the Washington county median of $408,900.

FEMA places Kitsap County at risk percentile 92.3 (Relatively Moderate), which is used only as a bounded relative adjustment to the historical state insurance baseline.

Counties with similar effective rates

Snohomish County: 0.77% effective rate; $696,000 median home value
Douglas County: 0.77% effective rate; $432,500 median home value
Benton County: 0.78% effective rate; $407,800 median home value

Calculate your price and monthly cost

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Source, method & confidence

Confidence: Medium. County-level effective rate derived from ACS medians; not a jurisdiction-specific mill rate.

Data as of 2024-12-31 (ACS period ending); tax year 2024; data version 2024.1.

Sources: U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25103; U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25077.

Assumptions and exclusions

Effective property-tax rate of 0.77% applied to the full home value (ACS median tax paid ÷ median home value).
Uncertainty band of ±15% reflects intra-county variation not captured by a single county rate.
Excludes special districts, local levies, and any exemptions (estimated separately at higher tiers).

Read the property-tax and PITI methodology

Common questions about Kitsap County carrying costs

What is the property tax rate in Kitsap County, Washington?: The estimated effective property tax rate in Kitsap County is 0.77%. On the county median home value of $555,100, that is about $4,279 per year (estimated range $3,637 to $4,921), based on U.S. Census ACS 2024 data.
How much is property tax on a $555,100 home in Kitsap County?: About $4,279 per year at a 0.77% effective rate. Actual bills vary with assessment, exemptions, and local levies, so treat this as a budgeting estimate rather than a tax bill.
How much is homeowners insurance in Kitsap County, Washington?: A budgeting estimate of $2,091 per year (wide range $1,255 to $2,928), based on the 2022 NAIC HO-3 state average adjusted for FEMA county risk. It is a historical benchmark, not a carrier quote.
What is the estimated monthly PITI payment for a home in Kitsap County?: About $3,338 per month for a $555,100 home, assuming 20% down, a 6.5% interest rate, and a 30-year term. PITI covers principal, interest, property tax, and homeowners insurance.