HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Kitsap County, Washington (FY 2026)
A two-bedroom in Kitsap County carries a FY 2026 Fair Market Rent of $2,031 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Kitsap keys off that figure.
2 bedroom FMR
$2,031
FY 2026, utilities included
Payment standard range
$1,828 to $2,234
90% to 110% of FMR
Income to afford 2BR
$81,240
per year, at 30% of income
Rank in Washington
3rd of 39
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Kitsap moves to $1,967. That's down 3%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Kitsap actually rent for?
Search any address in Kitsap for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $1,400 | $1,260 to $1,540 | $56,000 | $26.92/hr | -0.8% |
| 1 bedroom | $1,548 | $1,393 to $1,703 | $61,920 | $29.77/hr | -1.3% |
| 2 bedroom | $2,031 | $1,828 to $2,234 | $81,240 | $39.06/hr | -1.3% |
| 3 bedroom | $2,676 | $2,408 to $2,944 | $107,040 | $51.46/hr | -0.3% |
| 4 bedroom | $2,941 | $2,647 to $3,235 | $117,640 | $56.56/hr | -4.8% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $3,382 | $3,044 to $3,720 |
| 6 bedroom Estimate | $3,823 | $3,441 to $4,205 |
| 7 bedroom Estimate | $4,264 | $3,838 to $4,690 |
| 8 bedroom Estimate | $4,706 | $4,235 to $5,177 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Kitsap, that runs from $1,400 for a studio up to $2,941 for four bedrooms, all five rates in the table above.
Kitsap is its own HUD metro area (Bremerton-Silverdale-Port Orchard, WA), so the rate here is set from rents inside the county rather than a wider region.
Among Washington's 39 counties, Kitsap ranks 3rd for two-bedroom FMR. That's about 48% above the state median of $1,374 and about 100% above the national median county at $1,018. About 275,411 people live here, 7th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $1,860 in 98310 (Bremerton) and $2,870 in 98314 (Bremerton), with the 25 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 98061 | Rollingbay | $2,030 | -0.0% |
| 98110 | Bainbridge Island | $2,460 | +21.1% |
| 98310 | Bremerton | $1,860 | -8.4% |
| 98311 | Bremerton | $2,080 | +2.4% |
| 98312 | Bremerton | $1,910 | -6.0% |
| 98314 | Bremerton | $2,870 | +41.3% |
| 98315 | Silverdale | $2,630 | +29.5% |
| 98322 | Burley | $2,030 | -0.0% |
| 98337 | Bremerton | $1,860 | -8.4% |
| 98340 | Hansville | $2,530 | +24.6% |
| 98342 | Indianola | $1,860 | -8.4% |
| 98345 | Keyport | $2,010 | -1.0% |
| 98346 | Kingston | $1,880 | -7.4% |
| 98353 | Manchester | $2,030 | -0.0% |
| 98359 | Olalla | $1,860 | -8.4% |
| 98364 | Port Gamble | $2,030 | -0.0% |
| 98366 | Port Orchard | $1,950 | -4.0% |
| 98367 | Port Orchard | $2,110 | +3.9% |
| 98370 | Poulsbo | $2,140 | +5.4% |
| 98378 | Retsil | $2,031County rate | — |
| 98380 | Seabeck | $2,820 | +38.8% |
| 98383 | Silverdale | $2,380 | +17.2% |
| 98384 | South Colby | $2,030 | -0.0% |
| 98386 | Southworth | $2,030 | -0.0% |
| 98392 | Suquamish | $1,860 | -8.4% |
| 98393 | Tracyton | $2,030 | -0.0% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Kitsap somewhere between $1,828 and $2,234. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$2,031 a month is affordable, by HUD's 30% rule, on an income of roughly $81,240 a year. Put another way, $39 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($1,828) | HAP at 100% ($2,031) | HAP at 110% ($2,234) |
|---|---|---|---|---|
| $2,500 | $750 | $1,078 | $1,281 | $1,484 |
| $4,000 | $1,200 | $628 | $831 | $1,034 |
Rate history
The two-bedroom rate went down 1% from FY 2025 ($2,057) to FY 2026 ($2,031). Since FY 2020 it's up 57% in total, about 7.8% a year. The Washington median moved up 4% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $844 | $1,003 | $1,296 | $1,833 | $2,088 | — |
| FY 2021 | $976 | $1,141 | $1,479 | $2,074 | $2,397 | +14.1% |
| FY 2022 | $1,174 | $1,368 | $1,765 | $2,435 | $2,909 | +19.3% |
| FY 2023 | $1,252 | $1,431 | $1,872 | $2,515 | $3,026 | +6.1% |
| FY 2024 | $1,389 | $1,559 | $2,049 | $2,698 | $3,181 | +9.5% |
| FY 2025 | $1,411 | $1,568 | $2,057 | $2,685 | $3,090 | +0.4% |
| FY 2026 | $1,400 | $1,548 | $2,031 | $2,676 | $2,941 | -1.3% |
| FY 2027 | $1,370 | $1,535 | $1,967 | $2,637 | $2,804 | -3.2% |
Nearby counties
King County
$2,50119 mi · pop 2,254,371
Jefferson County
$1,36723 mi · pop 33,006
Mason County
$1,35428 mi · pop 66,053
Snohomish County
$2,50131 mi · pop 828,337
Pierce County
$1,97133 mi · pop 918,993
Island County
$1,67135 mi · pop 86,510
Thurston County
$1,96046 mi · pop 294,272
Skagit County
$1,72062 mi · pop 129,480
Questions people ask
$2,031 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $1,400 for a studio, $1,548 for one bedroom, $2,676 for three and $2,941 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Kitsap actually go for?
HUD's number is one input. Search any address in Kitsap for a rent estimate built from nearby comps. 3 free searches, no card.
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