ZIP Code 98370: Population, Income, Housing

State: WA
Total population: 33,655 Household income: $116,756 Rent: $1,852

Overview

Total population
33,655
Rent
$1,852
Year built
1991
Household income
$116,756
Per capita income
$57,559
Poverty rate
6.6%
Unemployment rate
N/A
Household size
2.5 persons
Rent over 30% of income
46.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Washington
County
Kitsap County
City
Poulsbo
Total population
33,655
Adults over 25
25,329
Total households
13,501
Household size
2.5 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$116,756
Per capita income
$57,559
Poverty rate
6.6%
Unemployment rate
N/A
Rent over 30% of income
46.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,852
Year built
1991
Households that rent
24.5%
Households that own
75.5%
Rooms per home (all homes)
6.3

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
80.4%
Black
1.1%
Asian
2.8%
Two or more races
12.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
8.6%
Not Hispanic or Latino
91.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
12,218 (77%)
Commute time to work
28 mins
Work from home
3,651 (23%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
24.4%
High school graduate or GED
18.9%
Some college or associate degree
10.8%
Bachelor’s degree or higher
46%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 98370 with: Kitsap County, WA Bremerton metro area, WA Washington State United States

ZIP 98370

Total population33,655
Rent$1,852
Year built1991
Household income$116,756
Per capita income$57,559
Poverty rate6.6%
Unemployment rateN/A

Kitsap County, WA

Total population277,881
Rent$1,822
Year built1986
Household income$104,158
Per capita income$53,544
Poverty rate8.2%
Unemployment rate4.5%

Bremerton Metro Area, WA

Total population277,881
Rent$1,822
Year built1986
Household income$104,158
Per capita income$53,544
Poverty rate8.2%
Unemployment rate4.5%

Washington State

Total population7,816,116
Rent$1,760
Year built1985
Household income$98,141
Per capita income$53,744
Poverty rate9.9%
Unemployment rate4.5%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP98370 CountyKitsap, WAMetro AreaBremerton metro area, WAStateWashingtonCountryUnited States
Total population33,655277,881277,8817,816,116334,922,499
Rent$1,852$1,822$1,822$1,760$1,413
Year built19911986198619851980
Household income$116,756$104,158$104,158$98,141$80,734
Per capita income$57,559$53,544$53,544$53,744$44,673
Poverty rate6.6%8.2%8.2%9.9%12.5%
Unemployment rateN/A4.5%4.5%4.5%4%

View the full multi-level comparison →

 

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Summary for 98370

Rent & Income

In 98370, the typical monthly rent is $1,852 and the typical household income is $116,756. Rent here is higher than Washington, and household income is higher than Washington. The estimated poverty rate is 6.6%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 24.5% of households. About 46.4% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 46% of adults holding a bachelor’s degree or higher.

 

ZIP 98370 — Rent vs Household Income

 

 

ZIP 98370 — Poverty

 

 

How ZIP 98370 compares in Washington State (102 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,852 57 / 102 from lower rent $1,024 – $2,836
Household income $116,756 28 / 102 from higher income $48,231 – $244,362
Poverty rate 6.6% 23 / 102 from lower poverty 3.3% – 28.6%

Rankings are calculated among ZIP Codes in Washington State with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 98370

Rent

When it comes to rent, ZIP Code 98370 ranks 57th out of 102 ZIP Codes in Washington State. Statewide, values range from $1,024 in ZIP 98901 up to $2,836 in ZIP 98006.

Household income

Income-wise, this area is placed 28th out of 102 ZIP Codes. Across Washington State, figures vary from $48,231 in ZIP 99163 up to $244,362 in ZIP 98074.

Poverty rate

When it comes to poverty, ZIP Code 98370 places 23rd out of 102 ZIP Codes. Throughout Washington State, numbers span from 3.3% in ZIP 98685 up to 28.6% in ZIP 99163.

 

💰 Rent in ZIP Code 98370 (with Utilities)

Estimated Monthly Rent: $1,852 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 98370

Annual Household Income: $116,756

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 98370

Estimated Rate: 6.6%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 98370

In ZIP Code 98370, households that rent: 3,312 (24.5%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 3,312 24.5%
Owner-Occupied 10,189 75.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 98370

In ZIP Code 98370, cost-burdened renters (households spending over 30% of income on housing): 1,537 (46.4%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 1,537 46.4%
Other renter households 1,775 53.6%
Total renter households 3,312 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 98370

Less than High School: 6,172 people (24.4%)

Includes adults who did not complete high school.

High School Graduate or GED: 4,783 people (18.9%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,735 people (10.8%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 11,639 people (46%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 25,329

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.