Zip lookup · WA

98366
Port Orchard, Washington.

Port Orchard, Kitsap County, WA · Bremerton-Silverdale-Port Orchard, WA metro · population 36,965

What it costs per month · 98366 $2,632/mo

to buy the typical home at today's mortgage rate — +$1,351 (+106%) since Jan 2020.

What the home itself did
1 year
Up $8,165 +2%
$493,247$501,412 since Sep 2025
5 years
Up $41,970 +9%
$459,442$501,412 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 98366 $2,632 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 98366$2,632
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 40 years.

Typical home values in zip 98366 rose 1.7% over the past year — faster than the nation's +1.2%.

Asking rents in zip 98366 rose 4.9% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 98366 runs $1,526/mo more than renting one. The gap peaked at $1,662 in Oct 2023.

That is $3,491 a month against $1,965 rent: a $2,632 mortgage payment, plus $322 property tax and $537 insurance & upkeep.

Owning vs renting — zip 98366

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 $3,491 Renting $1,965 Mortgage only $2,632
$1,500 $2,000 $2,500 $3,000 $3,500 2022 2024 2026
  • Owning all in$3,491
  • Renting$1,965
  • Mortgage only$2,632

Property tax · $322/mo 0.77% of value a year — the ACS 2020-2024 median bill over the median home value for Kitsap County, WA

Insurance & upkeep · $537/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.

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

Asking rent $1,965 as of Sep 2026
+4.9%year on year
Typical home value $501,412 as of Sep 2026
+1.7%year on year

Asking rent — 98366

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

$1,500 $1,750 $2,000 2021 2022 2023 2024 2025 2026 98366 $1,965 Bremerton $2,052 United States $1,932
$1,500 $1,750 $2,000 2022 2024 2026
  • 98366$1,965
  • Bremerton$2,052
  • United States$1,932

Typical home value — 98366

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 98366 $501,412 Bremerton $579,111 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 98366$501,412
  • Bremerton$579,111
  • United States$366,157

Within 20 miles

Showing 30 of 65 zips in range — sorting picks from all 65.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
2.9 98337 Bremerton 7,370 $1,769 $392,548
3.9 98310 Bremerton 22,643 $1,801 $458,267
6.7 98367 Port Orchard 31,756 $2,235 $612,401
6.7 98311 Bremerton 28,168 $1,965 $503,787
7.4 98359 Olalla 4,581 — $716,068
7.6 98110 Bainbridge Island 24,631 $2,989 $1,173,040
8.2 98312 Bremerton 36,307 $2,011 $494,706
9.2 98136 Seattle 17,252 $2,423 $909,734
9.3 98116 Seattle 28,711 $2,301 $973,130
9.9 98126 Seattle 22,975 $2,045 $732,462
10.2 98070 Vashon 9,934 $2,966 $875,534
10.5 98383 Silverdale 21,604 $2,072 $596,905
10.9 98106 Seattle 28,690 $2,403 $642,178
11.0 98146 Seattle 28,573 $1,839 $662,245
11.4 98345 Keyport 221 — $583,261
11.7 98199 Seattle 22,468 $2,719 $1,205,254
11.9 98332 Gig Harbor 20,072 $2,628 $880,463
12.0 98134 Seattle 645 — $424,988
12.3 98119 Seattle 26,879 $2,026 $1,018,013
12.4 98121 Seattle 21,166 $2,757 $521,052
12.5 98166 Seattle 22,082 $1,776 $807,003
12.7 98104 Seattle 16,542 $2,041 $529,302
12.8 98108 Seattle 25,529 $2,226 $664,850
12.8 98101 Seattle 17,153 $2,647 $546,852
12.8 98329 Gig Harbor 11,552 $2,575 $599,221
13.0 98109 Seattle 34,328 $2,564 $747,178
13.2 98107 Seattle 28,776 $2,332 $817,554
13.6 98392 Suquamish 2,984 — $480,814
13.7 98168 Seattle 35,528 $1,943 $566,250
13.7 98148 Seattle 9,715 $1,796 $592,737

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