Can You Afford a Home in Bainbridge Island, WA?
A typical home in Bainbridge Island is worth $1,200,693, up 0.3% over the past year. That is $611K above the Kitsap County typical of $589,268.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Bainbridge Island costs $1,200,693. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Kitsap County
Prices below are what keeps housing at 33% of gross income, using Kitsap County’s 0.8% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $320,000 | $264,000 | $242,000 | $258,000 |
| $100,000 | $437,000 | $361,000 | $331,000 | $353,000 |
| $125,000 | $555,000 | $459,000 | $421,000 | $448,000 |
| $150,000 | $673,000 | $556,000 | $510,000 | $544,000 |
| $200,000 | $909,000 | $751,000 | $689,000 | $734,000 |
How Bainbridge Island compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Kingston | $674,749 | +0.6% | $150,000 |
| Poulsbo | $675,871 | +0.8% | $151,000 |
| Indianola | $690,334 | +1.5% | $154,000 |
| Seabeck | $704,270 | +3.3% | $157,000 |
| Hansville | $720,858 | +0.7% | $160,000 |
| Olalla | $734,211 | +0.8% | $163,000 |
| Bainbridge Island (this page) | $1,200,693 | +0.3% | $262,000 |
If Bainbridge Island is out of reach, Kingston, Poulsbo, Indianola, Seabeck, Hansville, Olalla sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Bainbridge Island sell for less than $1,200,693, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.