HomeWashingtonKitsap County
Kitsap County, Washington: commercial real estate data.
Kitsap County, Washington has a population of 277,881 across 395 square miles, up 2.1 percent since the 2020 census base. 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.
123 sourced county values · tier FULL · 11 sections
Kitsap County
How many people live in Kitsap County
- Population277,881
- 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-equivalents259th
Kitsap County is the 7th largest of 39 Washington counties by population. A median home costs 5.3 times median household income, which is a stretched ownership market and usually shows up as rental demand. 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 growing
- Population change since the 2020 census base2.11 percent
- Census 2020 base population275,618
- 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
The county has grown 2.11 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kitsap County
Where people moving to Kitsap County come from
- Tax returns filed by households arriving9,911
- People arriving, from those returns17,645
- Adjusted gross income arriving$974.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$98,310
- Largest single originKitsap County Non-migrants (106,110 households)
- Largest single destination (106,110 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kitsap County Non-migrants | 106,110 | 208,256 | $11.80 bn |
| Other flows - Different State | 2,768 | 4,927 | $274.1 m |
| King County | 1,474 | 2,388 | $202.5 m |
| Pierce County | 1,113 | 2,016 | $89.1 m |
| Other flows - South | 1,099 | 2,047 | $146.9 m |
| Other flows - West | 861 | 1,563 | $71.0 m |
| Other flows - Midwest | 482 | 783 | $32.7 m |
| San Diego County | 403 | 831 | $29.2 m |
The largest single source of arrivals is Kitsap County Non-migrants, 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 the Kitsap County economy runs on
- 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 Washington counties8th
- Rank by GDP among US county-equivalents280th
- 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
Who employs people in Kitsap County
- Covered employment, annual average93,571
- Establishments reporting6,739
- Average annual pay$71,579
- Average weekly wage$1,377
- Sector 62, employment12,589
- Sector 62, average annual pay$64,793
- Sector 44-45, employment10,593
- Sector 44-45, average annual pay$43,041
- Sector 72, employment8,223
- Sector 72, average annual pay$28,810
- Sector 54, employment5,612
- Sector 54, average annual pay$102,197
- Sector 23, employment4,397
- Sector 56, employment3,179
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 12,589 | 688 | $64,793 |
| Sector 44-45 | 10,593 | 678 | $43,041 |
| Sector 72 | 8,223 | 564 | $28,810 |
| Sector 54 | 5,612 | 1,149 | $102,197 |
| Sector 23 | 4,397 | 850 | $71,611 |
| Sector 56 | 3,179 | 480 | $58,221 |
| Sector 31-33 | 2,520 | 182 | $69,304 |
| Sector 81 | 2,517 | 639 | $45,912 |
The largest sector is the biggest private employer group at 12,589 jobs, 13.5 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Kitsap County
What businesses operate 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.
US Census Bureau, County Business Patterns, 2023.
Kitsap County
What is being built in Kitsap County
- Housing units authorised by permit, 20241,294
- Declared construction value permitted$454.1 m
- Single family units authorised976
- Multifamily units authorised318
- Multifamily share of units24.6 percent
- Average declared value per unit$350,961
- Units authorised per 1,000 households11.9
Multifamily is 24.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kitsap County
How much SBA lending happens in Kitsap County
- 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$1,356,000
- 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)
- 7(a) share of SBA approvals78.2 percent
- Combined SBA approval dollars$218.2 m
The average approval of $465,693 sits well above the median of $150,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually 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
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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Kitsap County
Which parts of Kitsap County get the lending
- Places in the county with recorded lending12
- PORT ORCHARD, approvals83
- BREMERTON, approvals69
- BAINBRIDGE ISLAND, approvals67
- SILVERDALE, approvals39
- POULSBO, approvals37
- KINGSTON, approvals19
| Place | 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 |
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 big 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.
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.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population277,881
- 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?
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 growing?
The population has grown 2.11 percent since the 2020 census base. 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 there 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 the average wage in Kitsap County?
Average annual pay is $71,579, or $1,377 a week, across 93,571 covered jobs. 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 totalling $151.8 m since FY2020, across 62 lenders, with a median approval of $150,000, plus 91 504 approvals worth $66.4 m. 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.
What is being built in Kitsap County?
1,294 housing units were authorised 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 Kitsap County Non-migrants, with 106,110 households. Arriving households report an average income of $98,310 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.