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Bainbridge Island city, WA

ZIP 98110 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98110

Median Home Value
$1,076,200
Median Rent
$2,029
Affordability Snapshot
$296,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,913/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

44.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 98110 in Bainbridge Island city, WA, a household would need roughly $296,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,913. That is about 85% above the local median household income ($159,882), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
8.4%-18% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
38.9%+2% vs US avg
x
$1,076,200
Home Value
$2,029
Rent
1989
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached78.4%
  • 1-unit attached4.6%
  • 2-9 units7.2%
  • 10+ units8.4%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,076,200
Median rent$2,029
Owner-occupied81.2%
Vacant8.4%
Price-to-income6.7x
Est. income to buy$296,000