Poulsbo, WA · standard
ZIP Code 98370
Kitsap County, Washington - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 29,528
- 201/sq mi High-density area
- $116,756
- Median income Above-median income area
- $628,600
- Median home value Above-median home value
- 46.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Poulsbo pairs an upper-quartile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 11%
- household income, US ZIPs
- Top 8%
- home value, US ZIPs
- 201
- people per sq mi
- 76%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 98370 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 98370 (Poulsbo, WA) rose +5.4% from 2023 to 2024. The all-transactions index moved from 313.1 in 2023 to 330.0 in 2024 (2000 = 100).
ZIP code 98370 is a densely settled ZIP (a standard USPS delivery area) in Poulsbo, Kitsap County, Washington, with 29,528 residents across 146.6 square miles, a density of 201 people per square mile, in the Los Angeles time zone.
ZIP 98370 skews affluent, with a median household income of $116,756 (28% above the average Washington ZIP), while per-capita income is $57,559. The poverty rate is 6.6%, with unemployment at 4.9%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $628,600 (23% above the average Washington ZIP), while 75.5% of occupied homes are owner-occupied and median rent is $1,852.
A solid share of residents have a four-year degree: 46.0% of adults hold a bachelor's degree or higher, the median age is 44.4, and the average commute is 29 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Kitsap County, so 98370 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 98370
Top 5 sectors by establishment count in Poulsbo, WA
Which industries have the most business establishments in ZIP 98370.
- Construction
Construction
174 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
125 establishments
- Health care and social assistance
Health care and social assistance
103 establishments
- Accommodation and food services
Accommodation and food services
92 establishments
- Retail trade
Retail trade
91 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 98370, Poulsbo, WA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
29,528
Population
146.6
Area (sq mi)
201
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 98370?
44.4
Median Age
50.3%
Male
49.7%
Female
6.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$116,756
Median Household Income
+28% vs state ZIP avg
$57,559
Per Capita Income
6.6%
Poverty Rate
4.9%
Unemployment Rate
28.5 min
Mean Commute Time
How ZIP 98370 ranks among Washington ZIPs
Poulsbo, WA household income vs. every Washington ZIP code
Median household income among 547 reporting Washington ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$116,756 Top 16% higher than 84% of 547 Washington ZIPs
Each bar is a $20K-wide band; taller bars hold more Washington ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
14,116housing units
14,116
Total Housing Units
13,501
Occupied Units
615
Vacant Units
2.48
Avg Household Size
Occupancy Type
$628,600
Median Home Value
+23% vs state ZIP avg
$1,852
Median Rent
1991
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+5.4%
YoY Change (2024)
330
HPI Index (2000 = 100)
+230%
Total Change Since 2000
Home values in ZIP 98370 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +230% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.2% | 233 |
| 2021 | +15.0% | 268 |
| 2022 | +16.3% | 311 |
| 2023 | +0.5% | 313 |
| 2024 | +5.4% | 330 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,023 business establishments in ZIP 98370, employing approximately 8,978 people with a combined annual payroll of $448,579,000.
1,023
Businesses
8,978
Employees
$448.6M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 174 | 17.0% |
| Professional, scientific, and technical services | 125 | 12.2% |
| Health care and social assistance | 103 | 10.1% |
| Accommodation and food services | 92 | 9.0% |
| Retail trade | 91 | 8.9% |
| Other services (except public administration) | 85 | 8.3% |
| Administrative and support and waste management and remediation services | 81 | 7.9% |
| Real estate and rental and leasing | 66 | 6.5% |
| Finance and insurance | 52 | 5.1% |
| Manufacturing | 39 | 3.8% |
| Wholesale trade | 27 | 2.6% |
| Information | 20 | 2.0% |
| Transportation and warehousing | 19 | 1.9% |
| Arts, entertainment, and recreation | 19 | 1.9% |
| Educational services | 14 | 1.4% |
| Agriculture, forestry, fishing and hunting | 10 | 1.0% |
| Management of companies and enterprises | 5 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 98370 vs 98345 →
ZIP 98370 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98370
Poulsbo (98370)
29,528 residents
- 98311
Bremerton (98311)
25,880 residents
- 98110
Bainbridge Island (98110)
23,025 residents
- 98383
Silverdale (98383)
19,727 residents
- 98346 9,297
Kingston (98346)
9,297 residents
- 98315 6,054
Silverdale (98315)
6,054 residents
- 98365 4,528
Port Ludlow (98365)
4,528 residents
- 98392 2,994
Suquamish (98392)
2,994 residents
- 98342 1,370
Indianola (98342)
1,370 residents
What this shows Among its immediate neighbors, ZIP 98370 ranks the most populous - useful context the national average alone can't give.
ZIP 98370 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 98110
Bainbridge Island (98110)
$172,188 median income
- 98370
Poulsbo (98370)
$116,756 median income
- 98346
Kingston (98346)
$114,779 median income
- 98383
Silverdale (98383)
$111,139 median income
- 98311
Bremerton (98311)
$108,757 median income
- 98342
Indianola (98342)
$102,778 median income
- 98365
Port Ludlow (98365)
$98,776 median income
- 98392
Suquamish (98392)
$85,530 median income
- 98315
Silverdale (98315)
$79,918 median income
What this shows By household income, ZIP 98370 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 98345 | Keyport, WA | 554 | 3.6 mi |
| 98392 | Suquamish, WA | 2,994 | 3.1 mi |
| 98342 | Indianola, WA | 1,370 | 4.9 mi |
| 98315 | Silverdale, WA | 6,054 | 4.7 mi |
| 98364 | Port Gamble, WA | 45 | 6.8 mi |
| 98311 | Bremerton, WA | 25,880 | 8.4 mi |
| 98346 | Kingston, WA | 9,297 | 6.3 mi |
| 98383 | Silverdale, WA | 19,727 | 7.6 mi |
| 98110 | Bainbridge Island, WA | 23,025 | 8.2 mi |
| 98365 | Port Ludlow, WA | 4,528 | 10.6 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 98370, both outside WA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (29,528 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kitsap County
Related Areas
Frequently Asked Questions
What county is ZIP code 98370 in?
ZIP code 98370 (Poulsbo) is located in Kitsap County, Washington. Kitsap County contains multiple ZIP codes, see the full list at /counties/kitsap-wa.
What is the population of ZIP code 98370?
ZIP code 98370 in Poulsbo, WA has a population of 29,528 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 98370?
The median household income in ZIP 98370 is $116,756, which is 53% above the national average of $76,288.
What is the average home value in ZIP 98370?
The median home value in ZIP 98370 is $628,600, which is 126% above the national average of $278,155.
What is the demographic makeup of ZIP 98370?
The largest racial group in ZIP 98370 is White at 80.4%. Hispanic or Latino residents make up 8.6% of the population.
How many businesses are in ZIP code 98370?
ZIP code 98370 has 1,023 business establishments employing approximately 8,978 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 98370?
The top industries by establishment count in ZIP 98370 are: Construction (174), Professional, scientific, and technical services (125), Health care and social assistance (103). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 98370?
According to the FHFA House Price Index, home values in ZIP 98370 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 230%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 98370?
In ZIP code 98370, 64.8% of residents aged 25+ have a high school diploma or higher, and 46.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 98370?
The mean commute time for workers in ZIP code 98370 is 28.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 98370?
In ZIP code 98370, approximately 75.5% of occupied housing units are owner-occupied and 24.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 98370?
The poverty rate in ZIP code 98370 is 6.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 98370's numbers, next.
- See how ZIP 98370 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Poulsbo, WA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.