HomeWashingtonKitsap CountyPoulsbo
Poulsbo, Washington: commercial real estate data.
Poulsbo is a Census city of 12,165 people across 4.77 square miles of land, in Kitsap County. Median household income is $116,250, 59.0 percent of occupied homes are owned, and the SBA record carries 39 7(a) approvals to borrowers here worth $17.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Poulsbo
What Poulsbo is
- Census place typecity
- Land area4.77 sq mi
- Water area0.63 sq mi
- Population per square mile of land2,550
- County holding the largest share of its areaKitsap County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Poulsbo
How many people live in Poulsbo
- Population12,165
- Median age43.3
- Population under 182,226
- Share under 1818.3 percent
- Population 65 and over2,623
- Share 65 and over21.6 percent
- Households5,321
- Family households3,231
- Share of households that are families60.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Poulsbo
Income and work in Poulsbo
- Median household income$116,250
- Per capita income$56,418
- Civilian labor force5,471
- Employed5,266
- Unemployed205 plus or minus 101
- Unemployment rate3.7 percent plus or minus 1.8
- Adults 25 and over9,226
- Adults 25 and over with a high school diploma or higher96.8 percent
- Adults 25 and over with a bachelor degree or higher49.2 percent
- Adults 25 and over with a graduate degree20.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Poulsbo
Housing in Poulsbo
- Housing units5,481
- Occupied units5,321
- Vacant units160 plus or minus 147
- Vacancy rate2.9 percent plus or minus 2.7
- Owner occupied3,139
- Renter occupied2,182
- Ownership rate59.0 percent
- Median owner-occupied home value$620,100
- Median gross rent, monthly$1,886
- Annual rent as a share of median income19.5 percent
- Single family units3,755
- Share single family68.5 percent
- Units in buildings of two or more1,659 plus or minus 389
- Share in buildings of two or more30.3 percent plus or minus 6.9
- Mobile homes67 plus or minus 50
- Median year structure built1996
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Poulsbo
How Poulsbo gets to work
- Workers 16 and over who commute4,360
- Commuting under 15 minutes1,291 plus or minus 395
- Share commuting under 15 minutes29.6 percent plus or minus 8.3
- Commuting 30 minutes or more1,604 plus or minus 384
- Share commuting 30 minutes or more36.8 percent plus or minus 7.6
- Drove alone56.0 percent
- Carpooled9.5 percent plus or minus 6.7
- Public transport6.9 percent plus or minus 2.9
- Walked0.7 percent plus or minus 0.7
- Worked from home24.1 percent plus or minus 5.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Poulsbo
SBA loans in Poulsbo (7(a))
- Approvals39
- Gross approval$17,939,200
- Average approval$459,979
- Median approval$50,000
- Ninetieth percentile approval$1,464,000
- Largest approval$5,000,000
- Jobs supported169
- Jobs per approval4.3
- Loans with a final outcome6
- Paid in full5
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more12.8 percent
- Share to franchises7.7 percent
- Distinct lenders17
- Distinct industries by NAICS28
Counted by borrower city: approvals to borrowers whose address is in Poulsbo, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Poulsbo
SBA loans in Poulsbo (504)
- Approvals19
- Gross approval$12,085,000
- Average approval$636,053
- Median approval$471,000
- Largest approval$2,649,000
- Jobs supported75
- Loans with a final outcome8
- Charged off1
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Poulsbo, in any county, FY2010 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Poulsbo
Flood risk in Poulsbo
- NFIP communityCity of Poulsbo
- NFIP community number530241
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/03/17
The City of Poulsbo participates in the National Flood Insurance Program as community 530241 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Kitsap County, not Poulsbo
Kitsap County context, not Poulsbo figures
- Establishments in Kitsap County6,272
- Covered employment, Kitsap County93,571
- Average annual pay, Kitsap County$71,579
- Housing units permitted, Kitsap County1,294
Every figure in this section is published for Kitsap County as a whole and is not a measurement of Poulsbo.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Poulsbo questions, answered from the record.
How many people live in Poulsbo, Washington?
12,165, in 5,321 households. Poulsbo city covers 4.77 square miles of land, which is 2,550 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Poulsbo in?
Kitsap County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Poulsbo?
$116,250. The median owner-occupied home is valued at $620,100. Median gross rent is $1,886 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Poulsbo businesses?
39 7(a) approvals totaling $17.9 m since FY2020, across 17 lenders, median approval $50,000, plus 19 504 approvals worth $12.1 m since FY2010. These count approvals to borrowers whose address is in Poulsbo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Poulsbo borrowers get paid back?
No rate is published for Poulsbo. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Poulsbo in the National Flood Insurance Program?
Yes. Poulsbo appears in the FEMA Community Status Book as Poulsbo, city of, community 530241, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Poulsbo figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kitsap County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Poulsbo.
Is zoning published for Poulsbo?
No. Nothing on this page presents parcel level zoning.