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Bremerton, Washington is a charming waterfront city nestled in Kitsap County and an increasingly attractive destination for homebuyers seeking affordability, scenic beauty, and proximity to Seattle. But before planting roots in this city, it’s important to understand what your monthly mortgage payment might look like. From home prices and interest rates to taxes and insurance, let’s break down the numbers and factors that shape the average mortgage payment in Bremerton.
Bremerton is located in Western Washington, nestled on the Kitsap Peninsula. The city has gained popularity in recent years due to its affordability relative to Seattle, WA, its charming waterfront, and a growing local economy.
Bremerton’s housing inventory is made up of a mix of single-family homes, townhomes, and older craftsman-style houses. Buyers are drawn to neighborhoods such as Manette, Illahee, East Bremerton, and Charleston for their accessibility and character.
According to data from RedFin (as of July 2025), Bremerton’s current housing market is characterized as follows:
Mortgage rates directly impact monthly payments. As of August 15, 2025, the current rate for 15- and 30-year fixed-rate mortgages in Bremerton, Washington is as follows:
| Interest Rate | APR | Points | Home Price | Down Payment | Loan Amount | |
| 30-Year Fixed | 5.875% | 6.303% | 2.445 | $490,000 | $49,000 (10% of home price) | $441,000 |
| 15-Year Fixed | 5.000% | 5.447% | 2.497 | $490,000 | $49,000 (10% of home price) | $441,000 |
*Based on an 800+ credit score and single-family primary home.
Sammamish Mortgage’s mortgage rates are more competitive than the national average. As of the second week of August 2025, the national industry average rate for a 30-year fixed-rate mortgage is currently 6.67%.
Based on the chart above, Sammamish Mortgage’s rates with a buy-down are much lower, helping borrowers save over the life of their loan. For borrowers looking to save money out of pocket, our 0-point loans reduce upfront costs while also providing a better rate than the national average.
To determine the average mortgage payment in Bremerton, we need to break down several factors:
To determine the current mortgage payment in Bremerton, let’s consider the following local figures based on the following figures:
| Home Price | $490,000 |
| Down Payment | 10% ($49,000) |
| Loan Amount | $441,000 |
| Loan Type & Term | 30-year fixed-rate mortgage |
| Interest Rate | 5.875% |
| Credit Score | 800+ |
| Property Type | Primary, single-family |
Using Sammamish Mortgage’s convenient online mortgage calculator, you can quickly determine your monthly loan payments. Based on the above figures, the mortgage payment in Bremerton is for the summer of 2025.
How does Bremerton’s monthly mortgage payment of $3,252 compare to other nearby cities in Washington State? Let’s compare, assuming the following:
| City | Median Home Price | Loan Amount (Home Price – 10% Down Payment) | Interest Rate | Estimated Monthly Mortgage Payment |
| Bremerton | $490,000 | $441,000 | 5.875% | $3,252 |
| Seattle | $935,000 | $841,500 | 6.000% | $6,200 |
| Tacoma | $485,000 | $436,500 | 5.875% | $3,220 |
| Renton | $750,000 | $675,000 | 5.875% | $4,935 |
| Lakewood | $557,500 | $501,750 | 5.875% | $3,688 |
*Interest rates applicable to each respective city/zip code were used in these calculations. Mortgage payments include principal and interest, PMI, property tax, & homeowners insurance.
While Bremerton’s average mortgage payment is significantly lower than in nearby Seattle, it can still be a hefty price to pay for homeowners. To scale down your monthly obligations, consider the following tips:
Popular mortgage options in Bremerton include the following:
| Fixed-Rate Mortgages | -Interest rate stays the same for the life of the loan. -Offers predictable monthly payments. |
| Adjustable-Rate Mortgages (ARMs) | -Starts with a low fixed rate, then adjusts throughout the term. -Good for short-term ownership or if rates are expected to drop. |
| Conventional Loans | -Requires higher credit scores and down payments. -PMI required if down payment is under 20%. |
| FHA Loans | -Government-backed loan for low- to moderate-income buyers. -Allows down payments as low as 3.5%. -Requires mortgage insurance. |
| VA Loans | -For eligible military service members and veterans. -No down payment or PMI required. -Lower interest rates. |
| USDA Loans | -For rural and suburban homebuyers that meet income criteria. -No down payment required. |
| Jumbo Loans | -For homes that exceed conforming loan limits. -Requires strong credit and larger down payments. |
Bremerton’s payments are lower than the state average of $4,429 per month (based on a median sale price of $665,500 in WA State) due to more affordable home prices.
Yes, Kitsap County property taxes can add hundreds to your monthly payment.
Often yes, and it typically adds anywhere from $50 to $100 per month, depending on coverage.
If your down payment is under 20%, PMI may be required. However, PMI may be canceled once you reach at least 20% equity.
Yes, tools like Sammamish Mortgage’s online mortgage calculator include taxes, insurance, and payment schedules.
Key factors include interest rate, loan term, down payment, credit score, and property taxes.
Yes, its lower home prices make it more financially accessible than cities like Seattle or Bellevue.
Yes, options include refinancing, recasting, or appealing your property taxes.
Many buyers put down 10%, though 20% helps avoid PMI, and 3.5% options are available with FHA loans to help buyers keep upfront costs lower.
The average mortgage payment in Bremerton, WA is approximately $3,282 per month, depending on your loan terms, down payment, and additional costs like taxes and insurance. While this may seem steep, it’s still significantly more affordable than Seattle and offers a balanced lifestyle with access to nature, community charm, and urban convenience. Whether you’re a first-time buyer or relocating from across the Sound, understanding your monthly mortgage commitment is key to making a confident and informed decision.
If you’re looking to apply for a home loan in Bremerton, WA, we can help. Sammamish Mortgage has been in business since 1992 and has been providing mortgage programs for home buyers in Colorado, Idaho, Washington, Oregon, and California. Contact us with any questions you may have, or visit our website to get an instant rate quote.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.