HomeWashingtonKitsap County
Kitsap County, Washington: commercial real estate data.
Kitsap County, Washington had an estimated 281,420 residents on July 1, 2024, up 2.1 percent since the 2020 census base of 275,618, across 395 square miles. County output reached $18.35 bn in 2024, 6,272 establishments operate here, and the SBA record carries 326 7(a) approvals worth $151.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Kitsap County
How many people live in Kitsap County
- Population, American Community Survey 2020-2024277,881
- Households108,537
- Average household size2.56
- Median household income$104,158
- Median age40.2
- Median gross rent$1,822 per month
- Median owner-occupied home value$555,100
- Home value to household income5.3 times
- Annual rent as a share of median income21.0 percent
- Adults 25 and over with a bachelor degree or higher37.9 percent
- Adults 25 and over with a graduate degree14.0 percent
- Adults 25 and over198,424
- Population under 1854,706
- Share under 1819.7 percent
- Population 65 and over54,611
- Share 65 and over19.7 percent
- Working age population, 18 to 64168,564
- Civilian labor force129,285
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over57.9 percent
- Rank by population among Washington counties7th of 39
- Rank by population among US county-equivalents, Puerto Rico included259th of 3,222
Kitsap County is the 7th largest of 39 Washington counties by population. A median home costs 5.3 times median household income, which is severely unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 19.7 percent against 19.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kitsap County
Is Kitsap County's population growing?
- Population, July 1, 2024281,420
- Census 2020 base population275,618
- Population change since the 2020 census base2.11 percent
- Population change, 2023 to 20243,770
- Births, 20242,877
- Deaths, 20242,307
- Natural change, 2024570
- Net domestic migration, 20242,183
- Net international migration, 20241,009
- Total net migration, 20243,192
- Cumulative net domestic migration, 2021 to 20241,870
- Rank by growth among US county-equivalents1147th of 3,144
The county has grown 2.11 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kitsap County
Where are people moving to Kitsap County from?
- Tax returns filed by households arriving9,911
- People arriving, from those returns17,645
- Tax returns filed by households leaving9,396
- Net household movement515
- Adjusted gross income arriving$974.4 m
- Net adjusted gross income movement$129.5 m
- Average income of an arriving household$98,310
- Average income of a leaving household$89,921
- Largest single originKing County (1,474 households)
- Largest single destinationKing County (1,079 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| King County | 1,474 | 2,388 | $202.5 m |
| Pierce County | 1,113 | 2,016 | $89.1 m |
| San Diego County | 403 | 831 | $29.2 m |
| Snohomish County | 345 | 604 | $33.5 m |
| Mason County | 317 | 577 | $18.3 m |
| Foreign - APO/FPO ZIPs | 311 | 620 | $19.5 m |
| Los Angeles County | 174 | 293 | $21.8 m |
| Berkeley County | 166 | 303 | $10.8 m |
Households arriving report $8,389 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is King County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Kitsap County
What is the Kitsap County economy?
- County GDP, 2024$18.35 bn
- County GDP, 2023$17.16 bn
- GDP change, 2023 to 20246.9 percent
- GDP change over five years33.8 percent
- Rank by GDP among the Washington areas BEA publishes8th of 39
- Rank by GDP among the US county areas BEA publishes280th of 3,127
- GDP per resident$66,032
Output grew 6.9 percent in the latest year and 33.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Kitsap County
Employment by industry in Kitsap County
- Covered employment, annual average93,571
- Establishments reporting6,739
- Average annual pay$71,579
- Average weekly wage$1,377
- Health care and social assistance, employment12,589
- Health care and social assistance, average annual pay$64,793
- Retail trade, employment10,593
- Retail trade, average annual pay$43,041
- Accommodation and food services, employment8,223
- Accommodation and food services, average annual pay$28,810
- Professional, scientific and technical services, employment5,612
- Professional, scientific and technical services, average annual pay$102,197
- Construction, employment4,397
- Administrative and support and waste management services, employment3,179
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 12,589 | 688 | $64,793 |
| Retail trade | 10,593 | 678 | $43,041 |
| Accommodation and food services | 8,223 | 564 | $28,810 |
| Professional, scientific and technical services | 5,612 | 1,149 | $102,197 |
| Construction | 4,397 | 850 | $71,611 |
| Administrative and support and waste management services | 3,179 | 480 | $58,221 |
| Manufacturing | 2,520 | 182 | $69,304 |
| Other services, except public administration | 2,517 | 639 | $45,912 |
Health care and social assistance is the largest private sector at 12,589 jobs, 13.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kitsap County
How many businesses are in Kitsap County?
- Establishments, all industries6,272
- Employment at those establishments63,168
- Annual payroll$3.34 bn
- Establishments per 1,000 residents22.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Kitsap County
Building permits in Kitsap County
- Housing units authorized by permit, 20241,294
- Declared construction value permitted$454.1 m
- Single family units authorized976
- Multifamily units authorized318
- Multifamily share of units24.6 percent
- Average declared value per unit$350,961
- Units authorized per 1,000 households11.9
Single-family homes are 75.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Kitsap County
SBA loans in Kitsap County (7(a) and 504)
- 7(a) approvals recorded326
- 7(a) gross approval dollars$151.8 m
- Average 7(a) approval$465,693
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$1,345,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,135
- Jobs per approval6.5
- Distinct 7(a) lenders active62
- Distinct industries receiving approvals133
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.3 percent
- Loans on real estate terms50
- Loans on working capital terms, 120 months or shorter262
- Franchise loans31
- Franchise share of approvals9.5 percent
- Leading industry by approval countFull-Service Restaurants (18)
- Most active lenderColumbia Bank (90)
- 504 approvals recorded91
- 504 gross approval dollars$66.4 m
- Average 504 approval$729,495
- Median 504 approval$521,000
- Distinct CDCs active4
- 504 jobs per approval7.3
- 504 jobs per million dollars approved9.9
- Most active CDCNorthwest Business Development Association (35)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$218.2 m
The average approval of $465,693 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.3 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kitsap County
SBA loan default and charge-off rates in Kitsap County
Do SBA loans in Kitsap County get paid back?
- Loans with a final outcome recorded63
- Paid in full60
- Charged off3
- Charge-off rate on resolved loans4.8 percent
- Status: Paid in full60
- Status: Exempt from disclosure196
- Status: Charged off3
- Status: Cancelled45
- Status: Committed, not yet disbursed22
Of the 63 loans that have reached a final outcome, 4.8 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kitsap County
SBA lending by place in Kitsap County
- Borrower cities with recorded lending12
- Port Orchard, approvals83
- Bremerton, approvals69
- Bainbridge Island, approvals67
- Silverdale, approvals39
- Poulsbo, approvals37
- Kingston, approvals19
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Port Orchard | 83 | $43,059,000 |
| Bremerton | 69 | $44,902,900 |
| Bainbridge Island | 67 | $13,059,900 |
| Silverdale | 39 | $19,388,400 |
| Poulsbo | 37 | $17,549,200 |
| Kingston | 19 | $9,209,500 |
| Seabeck | 5 | $3,607,000 |
| Olalla | 2 | $300,000 |
| 4 other borrower cities | 5 | $740,100 |
Port Orchard accounts for 83 approvals against 69 in Bremerton. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kitsap County
How large is Kitsap County?
- Land area395 sq mi
- Rank by land area among Washington counties36th of 39
- Width, east to west26.4 mi
- Height, north to south37.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land703
- Establishments per square mile15.88
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Kitsap County
Flood risk in Kitsap County
- Participation of the county's own NFIP community Kitsap County, unincorporated areasParticipating, community 530092
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Kitsap County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Kitsap County (community 530092), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Kitsap County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Kitsap County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Kitsap County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024277,881
- Households108,537
- Average household size2.56
- Median household income$104,158
- Median age40.2
Common questions
Kitsap County questions, answered from the record.
How many people live in Kitsap County, Washington?
The Census Bureau estimates 281,420 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 277,881, in 108,537 households, ranking 7th of 39 Washington counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kitsap County's population growing?
The population has grown 2.11 percent since the 2020 census base of 275,618, to 281,420 on July 1, 2024. In 2024 there were 2,877 births against 2,307 deaths, with net migration of 3,192. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kitsap County?
$104,158. The median owner-occupied home is valued at $555,100, which is 5.3 times income, and median gross rent is $1,822 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Kitsap County?
6,272 establishments, employing 63,168 people with an annual payroll of $3.34 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Kitsap County?
Health care and social assistance is the largest private sector at 12,589 jobs, 13.5 percent of covered employment. Covered employment averages 93,571 jobs at an average annual pay of $71,579, or $1,377 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kitsap County?
326 7(a) approvals totaling $151.8 m since FY2020, across 62 lenders, with a median approval of $150,000, plus 91 504 approvals worth $66.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Kitsap County get paid back?
Of the 63 loans that have reached a final outcome, 60 were paid in full and 3 charged off, a charge-off rate of 4.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Kitsap County?
1,294 housing units were authorized by permit in 2024, with a declared construction value of $454.1 m. Multifamily was 24.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kitsap County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Kitsap County come from?
The largest single origin is King County, with 1,474 households. Arriving households report an average income of $98,310 against $89,921 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Kitsap County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Kitsap County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Kitsap County
Cities and places in Kitsap.
28 Census places lie wholly or partly in Kitsap County. All 28 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Bremerton | city | 44,830 | 69 | Wholly in this county |
| Bainbridge Island | city | 24,631 | 67 | Wholly in this county |
| Silverdale | CDP | 20,685 | 39 | Wholly in this county |
| Port Orchard | city | 17,149 | 83 | Wholly in this county |
| Poulsbo | city | 12,165 | 37 | Wholly in this county |
| Parkwood | CDP | 6,873 | None recorded | Wholly in this county |
| Tracyton | CDP | 6,137 | None recorded | Wholly in this county |
| Bangor Base | CDP | 6,112 | None recorded | Wholly in this county |
| Manchester | CDP | 5,956 | None recorded | Wholly in this county |
| East Port Orchard | CDP | 4,725 | None recorded | Wholly in this county |
| Bethel | CDP | 4,394 | None recorded | Wholly in this county |
| Suquamish | CDP | 4,084 | 1 | Wholly in this county |
| Indianola | CDP | 3,468 | None recorded | Wholly in this county |
| Hansville | CDP | 3,384 | 2 | Wholly in this county |
| Chico | CDP | 3,336 | None recorded | Wholly in this county |
| Navy Yard City | CDP | 2,672 | None recorded | Wholly in this county |
| Kingston | CDP | 2,496 | 19 | Wholly in this county |
| Burley | CDP | 2,443 | None recorded | Wholly in this county |
| Enetai | CDP | 2,387 | None recorded | Wholly in this county |
| Southworth | CDP | 2,286 | None recorded | Wholly in this county |
| Kitsap Lake | CDP | 2,186 | None recorded | Wholly in this county |
| Lofall | CDP | 1,800 | None recorded | Wholly in this county |
| Rocky Point | CDP | 1,716 | None recorded | Wholly in this county |
| Erlands Point | CDP | 854 | None recorded | Wholly in this county |
| Seabeck | CDP | 787 | 5 | Wholly in this county |
| Port Gamble Tribal Community | CDP | 624 | None recorded | Wholly in this county |
| Gorst | CDP | 550 | None recorded | Wholly in this county |
| Keyport | CDP | 221 | None recorded | Wholly in this county |
A further 4 of the county's 326 SBA 7(a) approvals are to borrowers in cities that match no Census place in Kitsap County, the largest being Olalla (2), Port Townsend (1), Sequim (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby