Free tool
Rent vs. buy calculator
Compare the true long-term cost of renting vs. owning in Kitsap County.
Monthly Cost Comparison
Buying$3,602
Renting$2,935
Buying costs $667/mo more upfront, but builds equity over time.
Break-Even at Year 5
After 5 years, buying becomes the financially stronger choice.
Buy Scenario
$450,000
$200,000$1,500,000
5% · $22,500
$0$50
6.500%
3%12%
Rent Scenario
$2,900/mo
$500$6,000
Kitsap avg ~3-4%/yr
5%/yr$0$10
Buy Breakdown
P&I Payment$2,702
Property Tax$375/mo
Insurance + Maint.$525/mo
Total Monthly Buy$3,602
Total Monthly Rent$2,935
Net Position Over Time
How much ahead or behind each path leaves you
| Year | Buy Net | Rent Net | Winner |
|---|---|---|---|
| 5 yrs | -$128,389 | -$194,392 | Buy |
| 10 yrs | -$223,656 | -$441,911 | Buy |
| 20 yrs | -$323,471 | -$1,159,095 | Buy |
| 30 yrs | -$238,235 | -$2,324,672 | Buy |
Ready to run the real numbers?
We can pull comps, check current rates, and tell you exactly what buying in Kitsap looks like for your situation.
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Estimates only. Assumes 2.5% closing costs, no HOA. Not financial advice — consult a licensed mortgage professional.
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