Mortgage Rates in Bremerton, Washington — March 2026
Updated March 2026 | Based on Bremerton market data and regional lending conditions
Bremerton is a growing city in Washington with a population of 44,122. The current 30-year fixed mortgage rate in Bremerton is 6.8%, which is 0.15% above the national average. With a median home price of $474,000 and a 20% down payment of $94,800, homebuyers can expect a monthly principal and interest payment of approximately $2,472.
Current Mortgage Rates in Bremerton, WA
Below are the current average mortgage rates available in the Bremerton area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Bremerton Housing Market Overview
The Bremerton housing market reflects moderate demand with prices near the national average. The median household income in Bremerton is $71,500, and the cost of living index is 116.1 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $122,014 to comfortably afford the median-priced home in Bremerton, which exceeds the current median household income.
Monthly Payment Breakdown for Bremerton
Based on the median home price of $474,000 with 20% down ($94,800), here is what you can expect to pay monthly in Bremerton:
15-Year vs. 30-Year Mortgage in Bremerton
Choosing a 15-year mortgage in Bremerton at 6.03% instead of a 30-year at 6.8% would save you $312,840 in total interest over the life of the loan. However, your monthly payment would be $3,206 instead of $2,472 — an increase of $734 per month.
Calculate Your Bremerton Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Bremerton
What are the current mortgage rates in Bremerton, WA?
As of March 2026, the average 30-year fixed mortgage rate in Bremerton, Washington is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Bremerton?
Based on the median home price of $474,000 with 20% down, the estimated monthly mortgage payment in Bremerton is $2,472 for principal and interest. Including property taxes of $375/month, the total monthly housing cost is approximately $2,847.
What income do I need to buy a home in Bremerton?
Using the 28% rule, you would need an annual income of approximately $122,014 to afford the median-priced home in Bremerton at $474,000. The median household income in Bremerton is $71,500. This means most households would need to either earn above the median or consider homes below $474,000.
Is Bremerton a good place to buy a home in 2026?
Bremerton has a moderate cost of living with a cost of living index of 116.1 (national average = 100). The property tax rate in Washington is 0.95%, which is near the national average. Bremerton has a population of 44,122 and offers a balanced lifestyle.
Mortgage Rates in Other Washington Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bremerton, Washington area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.