HomeWashingtonKitsap CountyPoulsbo city
Poulsbo city, Washington: commercial real estate data.
Poulsbo city 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.
76 sourced place values · tier FULL · 8 sections · 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$1,520,000
- 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
A charge-off rate is not published here. only 6 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kitsap County, not Poulsbo
Kitsap County context, not Poulsbo figures
These are Kitsap County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Poulsbo measurements.
- Establishments in Kitsap County6,272
- Employment at those establishments, Kitsap County63,168
- Covered employment, Kitsap County93,571
- Average annual pay, Kitsap County$71,579
- Average weekly wage, Kitsap County$1,377
- Housing units permitted, Kitsap County1,294
- Of those, single family, Kitsap County976
- County product, 2024, Kitsap County$18,349,039,000
- County product change over the prior year, Kitsap County6.9 percent
- Average income of an arriving household, Kitsap County$98,310
Every figure in this section is published for Kitsap County as a whole and is not a measurement of Poulsbo. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $17.9 m, across 17 lenders, median approval $50,000, plus 19 504 approvals worth $12.1 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Poulsbo figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.