Total monthly cost of ownership
Cost to Own a Home in Bremerton, Washington
A $410,000 home here costs
$2,960per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,108. The real number is $852 higher every month — 40% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bremerton against Kitsap County and Washington
| Measure | Bremerton | Kitsap County |
|---|---|---|
| Median home value | $409,500 | $505,700 |
| Median property tax | $2,963 | $4,030 |
| Effective tax rate | 0.724% | 0.797% |
| Median gross rent | $1,535 | $1,741 |
| Population | 44,531 | 276,581 |
The weather behind that power bill
Bremerton sits in Kitsap County, which averages a high of 77.3°F in its hottest month and a low of 35.0°F in its coldest, with 56.93" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 193 cooling and 4,825 heating degree days, which is what sets the $134 electricity line above.
See the full climate breakdown for Kitsap County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kitsap County
Full Kitsap County cost breakdown · Every county in Washington
Common questions
How much does it cost to own a home in Bremerton?
A $410,000 home in Bremerton, Washington costs approximately $2,960 per month with 20% down at 6.66%. That is $2,108 principal and interest, $247 property tax, $61 homeowners insurance, $202 utilities and $342 set aside for maintenance.
What is the property tax rate in Bremerton?
Bremerton has an effective property tax rate of 0.724%, based on a median home value of $409,500 and median real estate taxes of $2,963. That is lower than the Kitsap County average of 0.797%.
What is the average home price in Bremerton?
The median owner-occupied home value in Bremerton, Washington is $409,500, against $505,700 across Kitsap County.
Is it cheaper to rent or buy in Bremerton?
Median gross rent in Bremerton is $1,535 a month, against $2,960 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bremerton — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Washington.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.