Zip lookup · WA

98312
Bremerton, Washington.

Bremerton, Kitsap County, WA · Bremerton-Silverdale-Port Orchard, WA metro · population 36,307

What it costs per month · 98312 $2,597/mo

to buy the typical home at today's mortgage rate — +$1,277 (+97%) since Jan 2020.

What the home itself did
1 year
Up $5,870 +1%
$488,836$494,706 since Sep 2025
5 years
Up $24,115 +5%
$470,591$494,706 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 98312 $2,597 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 98312$2,597
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 69 years.

Typical home values in zip 98312 rose 1.2% over the past year — in step with the nation.

Asking rents in zip 98312 fell 0.2% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 98312 runs $1,433/mo more than renting one. The gap peaked at $1,598 in Oct 2023.

That is $3,444 a month against $2,011 rent: a $2,597 mortgage payment, plus $318 property tax and $530 insurance & upkeep.

Owning vs renting — zip 98312

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,500 $2,000 $2,500 $3,000 $3,500 2021 2022 2023 2024 2025 2026 Owning all in $3,444 Renting $2,011 Mortgage only $2,597
$1,500 $2,000 $2,500 $3,000 $3,500 2022 2024 2026
  • Owning all in$3,444
  • Renting$2,011
  • Mortgage only$2,597

Property tax · $318/mo 0.77% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties

Insurance & upkeep · $530/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

This zip spans 2 counties: Kitsap County, WA 100% · Mason County, WA 0%

Zillow also publishes an index for the city itself: Bremerton, WA — measured over the city limits, which is a different area from this zip.

Asking rent $2,011 as of Sep 2026
-0.2%year on year
Typical home value $494,706 as of Sep 2026
+1.2%year on year

Asking rent — 98312

Against the Bremerton-Silverdale-Port Orchard, WA metro and the national benchmark.

$1,600 $1,800 $2,000 2021 2022 2023 2024 2025 2026 98312 $2,011 Bremerton $2,052 United States $1,932
$1,600 $1,800 $2,000 2022 2024 2026
  • 98312$2,011
  • Bremerton$2,052
  • United States$1,932

Typical home value — 98312

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 98312 $494,706 Bremerton $579,111 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 98312$494,706
  • Bremerton$579,111
  • United States$366,157

Within 20 miles

Showing 30 of 38 zips in range — sorting picks from all 38.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
5.7 98337 Bremerton 7,370 $1,769 $392,548
6.7 98310 Bremerton 22,643 $1,801 $458,267
6.8 98380 Seabeck 5,471 — $699,337
7.0 98383 Silverdale 21,604 $2,072 $596,905
7.1 98311 Bremerton 28,168 $1,965 $503,787
8.0 98367 Port Orchard 31,756 $2,235 $612,401
8.2 98366 Port Orchard 36,965 $1,965 $501,412
10.4 98528 Belfair 11,940 $1,916 $483,245
11.2 98345 Keyport 221 — $583,261
11.4 98110 Bainbridge Island 24,631 $2,989 $1,173,040
12.5 98359 Olalla 4,581 — $716,068
13.0 98329 Gig Harbor 11,552 $2,575 $599,221
14.2 98524 Allyn 4,300 — $532,716
14.3 98370 Poulsbo 33,655 $2,420 $664,545
14.4 98555 Lilliwaup 324 — $365,200
14.8 98392 Suquamish 2,984 — $480,814
15.3 98588 Tahuya 2,114 — $431,547
15.3 98320 Brinnon 1,219 — $362,331
15.6 98332 Gig Harbor 20,072 $2,628 $880,463
16.9 98116 Seattle 28,711 $2,301 $973,130
16.9 98394 Vaughn 892 — $717,349
16.9 98070 Vashon 9,934 $2,966 $875,534
17.2 98342 Indianola 1,338 — $701,762
17.2 98136 Seattle 17,252 $2,423 $909,734
17.6 98199 Seattle 22,468 $2,719 $1,205,254
17.9 98126 Seattle 22,975 $2,045 $732,462
18.3 98546 Grapeview 2,430 — $616,549
18.8 98119 Seattle 26,879 $2,026 $1,018,013
18.9 98106 Seattle 28,690 $2,403 $642,178
19.0 98107 Seattle 28,776 $2,332 $817,554

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.