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The November 2025 Kitsap County housing market shows continued stabilisation and steady activity across Port Orchard, Bremerton, and Silverdale.
Compared to the high-intensity seller markets of 2020–2022, today’s conditions are more balanced. Buyers have more leverage, sellers retain strong equity positions, and mortgage rates – while higher than historical averages – are predictable and beginning to stabilize. Kitsap County remains highly desirable, offering more affordability than King County while maintaining strong access to employment, military installations, and commuter routes. This report provides a complete overview of home prices, mortgage conditions, inventory trends, and buyer/seller strategies for November 2025.
Kitsap County continues to experience modest appreciation supported by strong demand and limited new construction. Key metrics for November 2025 include:
Overall, Kitsap County is transitioning into a more balanced market. Sellers still receive strong offers, but buyers no longer face extreme bidding wars.
This environment benefits both sides of the transaction, with stable pricing and more predictable timelines.
Port Orchard continues to be a strong-performing market within Kitsap County. With a median sale price between $624,000 and $635,000 (up ~2.8% YoY),
the city remains attractive for move-up buyers and new residents seeking affordability. Days on market now range from 39 to 76 days depending on home condition and price point.
Sellers maintain strong equity, but buyers are now negotiating more concessions, rate buydowns, and inspection repairs.
The increased days on market reflect a return to healthier market behavior rather than buyer weakness.
Bremerton remains Kitsap County’s affordability anchor and one of the region’s strongest markets for first-time buyers and military families.
Median prices range between $457,000 and $505,000, with year-over-year growth of about 6.3%. Homes generally sell within 22 to 49 days.
Demand remains consistent due to employment at PSNS and Naval Base Kitsap, combined with the influx of Seattle-area residents seeking lower home prices.
Well-priced homes move quickly, though buyers now secure inspection protections and occasional seller credits.
Silverdale remains the premier destination for move-up buyers in Kitsap County.
The median price ranges from $625,000 to $632,000, reflecting 3.8% to 5.2% annual appreciation. Homes in highly desirable neighborhoods still attract multiple offers,
but buyers are no longer pressured to waive inspections or escalate bids aggressively. Days on market now range from 28 to 86 days depending on condition, age, and location.
Silverdale’s strong schools, newer homes, and proximity to shopping and amenities maintain its competitive edge.
Mortgage rates in November 2025 have become more predictable after two years of volatility. Borrowers are seeing mid-6% ranges depending on credit, down payment,
and loan type. Key patterns in today’s mortgage environment include:
Although rates have not returned to pre-2022 levels, stabilization is creating strategic opportunities for buyers and refinancers.
Kitsap County’s real estate strength continues to be anchored by:
These factors provide long-term stability and contribute to Kitsap County’s predictable housing performance.
Buyers now have more negotiation leverage than in previous years. Effective approaches include:
Buyers who prepare financially and act decisively can secure strong terms in this balanced market.
Sellers should focus on accurate pricing and presentation. Key strategies include:
Homes that are clean, updated, and properly priced continue to perform well.
Many Kitsap County homeowners are sitting on significant equity after several strong appreciation years.
While rate-based refinances may not be attractive for everyone, cash-out refinances, renovation loans, and debt consolidation strategies remain useful.
Homeowners preparing to sell in 2026 may also use equity to perform targeted updates that maximize market value.
Is November 2025 a good time to buy in Kitsap County?
Yes—buyers have more negotiation power and more inventory than in previous years.
Are home prices expected to continue rising next year?
Yes, but at a slower, more sustainable pace across all Kitsap cities.
What mortgage rate trends should buyers expect in early 2026?
Rates are expected to remain steady with small fluctuations month to month.
Is Kitsap County shifting into a buyer’s market?
Not fully—it remains balanced, with certain neighborhoods favoring sellers.
How competitive is Silverdale for move-up buyers?
Still competitive, but far more manageable than during 2021–2022.
Are VA buyers still competitive in today’s market?
Yes—VA borrowers continue to be strong contenders due to local military presence.
Should sellers offer concessions in 2025?
Yes, when needed to improve buyer affordability or overcome inspection concerns.
What renovations provide the highest ROI before selling?
Paint, flooring, landscaping, and basic updates offer excellent returns.
Are contingent offers being accepted again?
Yes—contingent offers are becoming more common as the market normalizes.
What’s the best first step for buyers or sellers in late 2025?
Connect with a local lender for pre-approval and a local agent for pricing guidance.
Whether you’re buying a home or ready to refinance, our professionals can help.
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