Published October 25, 2026 in Market Update

Some parts of Kitsap Co Buy Box still move fast despite higher rates

By Thomas Earnest

Real estate, Kitsap Co Buy Box

Realtor.com reported that mortgage rates climbed above 7% for the first time since January 2025. That matters because it raises the monthly cost for every buyer in Kitsap County. Yet the numbers for the three months ending August 31, 2026 show that some parts of this market barely flinched.

The Real Estate Data Aggregator counted just 1.3 months of supply in ZIP 98337, the Bremerton area. That is the tightest reading in this market. Supply there fell a full month from the same period in 2025. Buyers shopping in that ZIP are still competing for very few homes.

The Real Estate Data Aggregator found that 58.5% of homes in 98337 went under contract within two weeks of listing. That share rose 8.5 points from a year before. Clean, well-priced offers still matter here.

Prices in 98337 rose 10.8% from the same period in 2025, according to the Real Estate Data Aggregator. The median sale price reached $421,322. That gain came even as rates pushed higher.

How each ZIP stacked up

Not every corner of Kitsap County moved the same way. The table below shows months of supply and speed across all ZIP codes the Real Estate Data Aggregator counted for the three months ending August 31, 2026.

The fast end: 98337 and 98310

ZIP 98310 also ran tight. The Real Estate Data Aggregator put its supply at 1.5 months, down 0.7 months from a year before. Inventory there fell 34%. Median days on market was 10 days. Homes sold at 100.7% of list price on average.

98311: prices up, buyers still competing

In 98311, the Real Estate Data Aggregator counted a median sale price of $527,796, up 5.9% from a year before. Homes sold in just 7 days at the median. A strong 68.3% of homes sold above list price, up 13.5 points from 2025. Supply ticked up to 1.9 months, but this ZIP is still a seller's market.

Bainbridge Island: speed picked up sharply

ZIP 98110 on Bainbridge Island had a median sale price of $1,300,280, up 2%, per the Real Estate Data Aggregator. Median days on market dropped 9 days from a year before, to just 10 days. The share of homes going under contract within two weeks jumped 15.8 points to 52%. Supply was 2.1 months. The higher price point did not slow things down.

The slower end: Seabeck and Kingston

Not every ZIP stayed tight. ZIP 98380 in Seabeck had 4.1 months of supply. The Real Estate Data Aggregator counted a median of 37 days on market there, 7 days longer than a year before. Only 27.3% of homes went under contract within two weeks. Prices rose 14.6% to $745,000, but that gain came with fewer competing buyers.

ZIP 98346 in Kingston had 4 months of supply, up 1.4 months from 2025. Median days on market was 24 days. Only 39.4% of homes went under contract within two weeks, down 6.3 points. Prices rose 22.2% to $846,413, but the Real Estate Data Aggregator also counted 21.7% fewer homes sold than a year before. Fewer buyers closed, even as prices climbed.

What the rate picture means here

Realtor.com reported that rates crossed 7% for the first time since January 2025. Nationally, Realtor.com also found that 20.8% of listings took a price cut in September, the highest share since October 2022. That is the wider backdrop for this market.

CNBC reported that a monthly payment on a median-priced home took 33% of a median family's income in 2025. That was 26% in 2022. Higher rates made a real difference in what buyers can carry.

Even so, the tightest parts of Kitsap County held firm. The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. Several ZIP codes here beat that pace.

Median sale prices across the market

A note on 98345 Keyport

ZIP 98345 in Keyport had only 2 homes sold and 1 pending sale in the period, per the Real Estate Data Aggregator. With numbers that small, the ZIP-level figures do not tell a reliable story. If your home is there, reach out and we can look at it directly.

One street can read very differently from the whole ZIP code. The numbers above cover three months of sales. Your block may be moving faster or slower than the ZIP average suggests. Text me your address and I will show you where your home sits against what actually sold nearby.