Living in a beautiful place like Kitsap County comes with its own set of perks—and challenges. If you’re thinking about moving here or you already live in the area and are wondering why your bills are climbing, you’re not alone. The cost of living in Kitsap County is changing, and it’s affecting everyone—from working families to retired veterans.
Let’s dive into a clear, honest look at what’s really going on in 2025 and how you can manage your budget while still enjoying everything this region has to offer.
Why Talk About the Cost of Living in Kitsap County?
Because prices are going up—and people are feeling it.
In the past year, rent prices have increased. Gas costs more than it did in 2023. Grocery bills are higher, and don’t even get started on property taxes or health care premiums. Many families are asking:
- “Is Kitsap still affordable?”
- “Should we move farther out?”
- “Can we still save money living here?”
This blog is here to help you understand what’s happening, what the numbers really mean, and how you can make informed decisions about living in Kitsap County in 2025.
What Makes Up the Cost of Living in Kitsap County?
Let’s break it down into everyday categories you deal with every month:
1. Housing
Housing is the biggest factor in the cost of living in Kitsap County.
- Rent (2025 Avg.):
A one-bedroom apartment in Bremerton averages $1,650/month, while in Poulsbo or Bainbridge Island, it can be over $2,000/month. - Home Prices (2025 Median):
The median home price in Kitsap is $540,000, up from $485,000 in 2023 (Source: Redfin).
✅ Solution: If you’re struggling with high rent, consider towns like Port Orchard or Silverdale, where prices are still relatively lower. Or explore shared housing options.
2. Transportation
Kitsap isn’t a small town anymore. With limited public transport, many people rely on personal vehicles.
- Gas Prices: Around $4.50/gallon as of mid-2025.
- Ferry Costs: A monthly ferry pass from Bremerton to Seattle is about $140/month.
- Car Insurance: Averages $110/month for basic coverage.
✅ Solution: Carpooling, using Kitsap Transit (which has added more affordable routes in 2025), and switching to hybrid or electric vehicles can save hundreds each year.
3. Groceries & Essentials
This is where inflation hits hard.
- Average Grocery Bill:
For a family of 4, groceries now cost $850–$950/month, up from $700 in 2023. - Milk, eggs, and meat:
Each is up about 10–15% compared to last year.
✅ Solution: Shopping at local farmer’s markets or using co-op memberships (like Kitsap Fresh) can help you eat fresh while saving. Try meal planning to avoid waste and overspending.
4. Healthcare
Health expenses are a growing concern.
- Monthly Premiums (Marketplace Plans):
Around $470/month per person without employer coverage. - Out-of-Pocket:
A typical doctor’s visit in Kitsap now averages $165 without insurance.
✅ Solution: Community clinics, Medicaid programs, and even free telehealth options through some libraries or wellness nonprofits can help reduce your monthly costs.
5. Utilities
Utilities in Kitsap are stable compared to Seattle, but still rising.
- Electricity (Puget Sound Energy): ~$160/month
- Water & Sewer (Kitsap PUD or City): ~$120/month
- Internet: $70–$90/month
✅ Solution: Kitsap County offers energy-efficiency grants and discounts through PSE for low-income families. Consider bundling services to reduce overall costs.
6. Childcare & Schooling
For families with young children, this is a major expense.
- Daycare: $1,300–$1,600/month per child.
- After-school programs: $250–$400/month.
✅ Solution: Local churches and nonprofits often offer scholarships or subsidized care. Look into Washington’s Working Connections Child Care program for state help.
7. Entertainment & Dining
Living here should still be fun!
- Dinner for 2 at a mid-range restaurant: $75+
- Movie Ticket: $15–$18
- Gym Membership: $50–$70/month
✅ Solution: Take advantage of Kitsap’s natural beauty—beaches, trails, and free events. Check city websites for free concerts, open mic nights, and festivals.
Total Monthly Estimate: What You’ll Likely Spend
Here’s a rough breakdown for a family of 4 living in Kitsap County in 2025:
| Category | Average Monthly Cost |
|---|---|
| Housing | $2,200 |
| Transportation | $600 |
| Groceries | $900 |
| Utilities | $350 |
| Healthcare | $940 |
| Childcare | $1,600 |
| Entertainment | $300 |
| Total | $6,890 |
This estimate may vary depending on lifestyle, location, and savings habits.
Is Kitsap County Still Affordable in 2025?
That depends on your situation.
- For Seattle commuters, Kitsap still offers more space and slightly lower housing costs.
- For retirees, the property tax breaks and peaceful communities are attractive.
- For working families, however, the rising cost of living in Kitsap County means budgeting is more important than ever.
Smart Moves to Lower Your Cost of Living
Here are 5 actionable steps you can take today:
- Track Your Spending: Use free apps like Mint or YNAB.
- Explore Local Discounts: Kitsap Community Resources offers help with energy bills, childcare, and more.
- Cook More at Home: Cut dining-out expenses by 40% by meal prepping.
- Use Local Buy-Nothing Groups: Facebook groups in Bremerton, Silverdale, and Port Orchard are great for free furniture, clothes, and even food.
- Negotiate Internet & Insurance Rates: You’d be surprised how much providers are willing to cut when asked.
Final Thoughts: Be Informed, Not Intimidated
Yes, the cost of living in Kitsap County is going up—but it doesn’t mean you’re powerless. By understanding the numbers, using local resources, and being strategic with your spending, you can still live well and enjoy what Kitsap has to offer.
The best part? Kitsap still has that strong community vibe, breathtaking outdoor beauty, and access to Seattle without paying full Seattle prices. Just stay informed and make adjustments that suit your lifestyle.
Bonus: FAQ Section for the Blog
Q1: Is Kitsap County more affordable than Seattle in 2025?
Yes, especially in housing. Rent and home prices in Kitsap are still 15–25% lower than Seattle, making it a popular choice for commuters and retirees.
Q2: What’s the average cost of housing in Kitsap County in 2025?
The median home price is $540,000, while average rent for a one-bedroom apartment ranges from $1,650–$2,200 depending on the city.
Q3: Are groceries and utilities expensive in Kitsap?
Grocery prices have risen by 10–15%, with families spending $850–$950 monthly. Utilities cost about $350/month for electricity, water, and internet combined.
Q4: How can I save money living in Kitsap?
Use co-ops for groceries, apply for community resource grants, consider ferry passes for commuting, and shop via Buy Nothing groups.
Q5: Is Kitsap County still a good place to raise a family?
Yes, despite rising costs. It offers safety, strong schools, and access to nature, making it a great fit for families looking to balance quality of life with affordability.