Kitsap County, WA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 47.64, -122.65.
Assembled 2026-10-19. Read the brief.
- 96th pct · 120th of 3,063 US counties · median $230,451
- 84th pct · 7th of 39 Washington counties · median $428,499
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
- 30th pct · 2,118th of 3,062 US counties · median +2.9%
- 76th pct · 10th of 39 Washington counties · median +0.2%
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
- 85th pct · 198th of 1,358 US counties · median $1,506
- 73rd pct · 8th of 27 Washington counties · median $1,705
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
- 90th pct · 316th of 3,221 US counties · median 8,232
- 78th pct · 9th of 39 Washington counties · median 18,771
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
- 94th pct · 178th of 3,221 US counties · median $1,039
- 94th pct · 3rd of 39 Washington counties · median $1,237
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
- 88th pct · 351st of 3,063 US counties · median 4.2
- 60th pct · 16th of 39 Washington counties · median 6.7
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $579,133 (Sep 2026), +1.1% over one year, +7.8% over five
- 96th pct · 120th of 3,063 US counties · median $230,451
- 84th pct · 7th of 39 Washington counties · median $428,499
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Kitsap County, WA | $579,133 · +1.1% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $2,052/mo (Sep 2026), +3.2% over one year; price-to-rent 23.5
- 85th pct · 198th of 1,358 US counties · median $1,506
- 73rd pct · 8th of 27 Washington counties · median $1,705
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Kitsap County, WA | $2,052/mo · +3.2% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $3,208 a month on $579,133 at 7.40%, against an average weekly wage worth $6,881 a month: 46.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $579,133 × 80% = $463,307, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,208/mo principal and interest
- wage share = payment / (avg weekly wage $1,588 × 52 / 12 = $6,881) = 47% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $579,133 / ($1,588 × 52) = 7.0
- price-to-rent = $579,133 / ($2,052 × 12) = 23.5
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
93,225 jobs at 6,894 employers (2026 Q1); -0.3% jobs and +11.2% average weekly wage over the year
- 90th pct · 316th of 3,221 US counties · median 8,232
- 78th pct · 9th of 39 Washington counties · median 18,771
- counties in the Bremerton-Silverdale-Port Orchard metro: Rank context is unavailable: the manifest lists 1 counties in the Bremerton-Silverdale-Port Orchard metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Kitsap County, WA | 93,225 jobs · $1,588/wk · -0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 13,369 | $1,255 | 0.95 | +3.1% |
| Retail trade | 9,999 | $848 | 1.10 | -3.7% |
| Accommodation and food services | 7,856 | $580 | 0.94 | +1.2% |
| Professional and technical services | 5,570 | $2,209 | 0.87 | +4.5% |
| Construction | 4,089 | $1,379 | 0.84 | -3.1% |
| Administrative and waste services | 3,135 | $1,257 | 0.59 | -2.4% |
| Other services | 2,689 | $941 | 0.97 | +3.3% |
| Finance and insurance | 1,935 | $2,909 | 0.51 | +7.4% |
| Arts, entertainment and recreation | 1,351 | $556 | 0.88 | +4.7% |
| Wholesale trade | 1,312 | $1,789 | 0.37 | -0.7% |
| Transportation and warehousing | 1,177 | $1,038 | 0.30 | +9.5% |
| Real estate and rental | 971 | $1,176 | 0.68 | +7.2% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D1 moderate drought
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
| Site | Reading | Distance |
|---|---|---|
| LAKE TAPPS NEAR SUMNER, WA | 38,960 Acre-ft (USGS, no capacity on file) | 56 km |
| HOWARD A HANSON RESERVOIR NEAR PALMER, WA | 15,210 Acre-ft (USGS, no capacity on file) | 76 km |
| WYNOOCHEE LAKE NEAR GRISDALE, WA | 15,430 Acre-ft (USGS, no capacity on file) | 77 km |
| MUD MOUNTAIN LAKE NEAR BUCKLEY, WA | 16.0 Acre-ft (USGS, no capacity on file) | 77 km |
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
196 gauges · 0 flooding · 62 with quality panels averaging 89 % · 99 stale
Sites found: 196, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-473253122203201 | temp 12.5 °C · quality 50 % (2) · STALE | 25 km |
| USGS-473322122390701 | temp 15.6 °C · quality 50 % (2) · STALE | 9 km |
| USGS-473317122392101 | temp 14.4 °C · quality 50 % (2) · STALE | 9 km |
| USGS-473319122390701 | temp 15.9 °C · quality 50 % (2) · STALE | 9 km |
| USGS-473308122393701 | temp 16.8 °C · quality 50 % (2) · STALE | 10 km |
| USGS-473333122203701 | temp 13.8 °C · quality 50 % (2) · STALE | 25 km |
| USGS-473316122392401 | temp 16.4 °C · quality 50 % (2) · STALE | 9 km |
| USGS-473310122393101 | temp 15.9 °C · quality 50 % (2) · STALE | 10 km |
| Pacific Ocean at Bremerton Tide Gage | no flooding | 9 km |
| USGS-473323122390801 | temp 19.2 °C · quality 100 % (2) · STALE | 9 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
1 wells in 0 named aquifers:
Sites found: 1, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-471032122292701 | depth 34.8 ft · 2020-01-08 | 53 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.20)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.11 / 0.55
Banks & federal dollars #
$4.2 bn in deposits at 44 offices of 13 banks (SOD June 2026); HHI 1,484, moderately concentrated. $3.2 bn federal obligations in FY2026 (direct payments $2.0 bn, contracts $1.1 bn), $34,372 per covered job
| Item | Value | Distance |
|---|---|---|
| Bank of America, National Association | $985.8 m · 23.4% share · 4 offices | |
| Heritage Bank | $837.5 m · 19.8% share · 9 offices | |
| JPMorgan Chase Bank, National Association | $781.5 m · 18.5% share · 5 offices | |
| Kitsap, WA | $3.2 bn FY2026 · $34,372/job | |
| MULTIPLE RECIPIENTS | $1.9 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Bank of America, National Association | $985,820,000 | 23.4% | 4 |
| Heritage Bank | $837,462,000 | 19.8% | 9 |
| JPMorgan Chase Bank, National Association | $781,548,000 | 18.5% | 5 |
| Wells Fargo Bank, National Association | $394,720,000 | 9.4% | 4 |
| Columbia Bank | $258,437,000 | 6.1% | 4 |
| U.S. Bank National Association | $191,700,000 | 4.5% | 3 |
| Liberty Bank | $164,450,000 | 3.9% | 1 |
| KeyBank National Association | $161,151,000 | 3.8% | 4 |
| First Fed Bank | $143,978,000 | 3.4% | 2 |
| 1st Security Bank of Washington | $95,469,000 | 2.3% | 2 |
Deposit concentration is 1,484 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 23.4² + 19.8² + 18.5² + … (10 more) = 1,484
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $1,456,683,866 |
| Department of Defense | $935,833,236 |
| Department of Veterans Affairs | $504,070,509 |
| Department of Housing and Urban Development | $64,164,057 |
| Department of Homeland Security | $60,687,879 |
| Department of Transportation | $37,445,565 |
| Department of Commerce | $35,446,260 |
| Department of Education | $30,295,373 |
| General Services Administration | $26,859,629 |
| Department of the Interior | $24,279,655 |
| Department of Health and Human Services | $11,603,837 |
| Environmental Protection Agency | $5,159,135 |
That is $34,372 per covered job, against 93,225 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.2 bn / 93,225 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $34,372
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Kitsap County, WA: 12 findings, 3 at a watch level and 9 noted
watchKitsap County, WA's covered employment is -0.3% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchKitsap County, WA's typical home value of +1.1% scores 31 on the 0-to-100 scale across US counties but 76 across Washington counties, a gap of 45 points.
Period 2026-09.Show the arithmetic
- 45 = |31 across US counties - 76 across Washington counties|
position among the entities that published this metric this period; not an official level
watchKitsap County, WA's price-to-rent ratio of 23.5 scores 89 on the 0-to-100 scale across US counties but 58 across Washington counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |89 across US counties - 58 across Washington counties|
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteKitsap County, WA's average weekly wage was 11.2% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +11.2 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteKitsap County, WA's covered employment was 0.3% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -0.3 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.