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Bremerton city, WA

ZIP 98312 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 98312

Median Home Value
$430,700
Median Rent
$1,438
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,767/mo PITI).

20%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

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

25.0 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 98312 in Bremerton city, WA, a household would need roughly $119,000 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 $2,767. That is about 39% above the local median household income ($85,332), 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
64.5%-1% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
13.0%+2% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$430,700
Home Value
$1,438
Rent
1977
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached67.1%
  • 1-unit attached5.0%
  • 2-9 units11.2%
  • 10+ units10.7%
  • Mobile home & other6.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$430,700
Median rent$1,438
Owner-occupied64.5%
Vacant5.8%
Price-to-income5.0x
Est. income to buy$119,000