Kitsap County, Washington has a 2026 one-unit conforming loan limit of $832,750, which is 1.5 times the county's median home value of $555,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $104,158 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $555,100 |
| Washington median home value | $564,600 |
| Limit ÷ median home value | 1.50× |
| Median household income | $104,158 |
| Median home value ÷ income | 5.3× |
| Population | 277,881 |
| Median property tax paid (owners) | $4,279 |
| Effective property tax rate (approx.) | 0.77% |
| Owner-occupied homes | 70.1% |
| Home value rank in Washington | 6 of 39 counties |
| Neighbor: Island County, WA | limit $832,750; median home $593,300 |
| Neighbor: Jefferson County, WA | limit $832,750; median home $535,000 |
| Neighbor: King County, WA | limit $1,063,750; median home $859,900 |
| Neighbor: Mason County, WA | limit $832,750; median home $411,800 |
| Neighbor: Pierce County, WA | limit $1,063,750; median home $526,600 |
| Neighbor: Snohomish County, WA | limit $1,063,750; median home $696,000 |
Across Washington's 39 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,063,750, with 3 high-cost counties. Kitsap County's median home value is 2% below the state median of $564,600 (rank 6 of 39). Among its 6 neighboring counties, King County has the highest median home value ($859,900) and Mason County the lowest ($411,800); 3 neighbor(s) have a different loan limit. Owners pay a median $4,279 a year in property tax, an effective rate of about 0.77% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.