98110 ZIP Code — Bainbridge Island, WA

Kitsap County, Washington

ZIP code 98110 is located in Bainbridge Island, Washington, within Kitsap County. It covers approximately 27.61 square miles and serves a population of 24,681 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 206.

About ZIP code 98110

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $985,400. Owner-occupancy is high at 81%, well above the national average.

The gap between median ($151,290) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 40% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 38 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 31% of workers work from home.

Educational attainment is high — 74% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 98110 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

24,681

population

27.61

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98110 ZIP code map

Cities in ZIP code 98110

Below are the cities the US Postal Service accepts for ZIP code 98110. Using any city not on this list may result in mail delivery delays.

City	Status
Bainbridge Island	Acceptable
Bainbridge Island	Preferred

Nearby ZIP codes

98311 Bremerton (4.9 mi) 98310 Bremerton (5.6 mi) 98392 Suquamish (6 mi) 98199 Seattle (6 mi) 98107 Seattle (7.2 mi) 98337 Bremerton (7.2 mi) 98342 Indianola (7.4 mi) 98366 Port Orchard (7.4 mi) 98117 Seattle (7.6 mi) 98119 Seattle (7.8 mi) 98314 Bremerton (8 mi) 98116 Seattle (8 mi)

Demographics updated 06/2026

Population
Total population	24,681
Population density	894 / sq mi
State FIPS	53
County FIPS	035

Geography
Land area	27.61 sq mi
Water area	11.16 sq mi
Latitude	47.6476
Longitude	-122.5355
Timezone	Pacific (PT)
Area code	206

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.2%	29.2%	31.7%
$50k – $100k	19.9%	33.5%	30.6%
$100k – $200k	34.0%	28.5%	27.1%
Over $200k	25.9%	8.7%	10.6%

Demographics & statistics

24,681

Population

894

People per sq mi

49.5

Median age

$151,290

Median household income

$86,747

Per capita income

$985,400

Median home value

$1,965

Median monthly rent

81.2%

Home ownership

2.9%

Poverty rate

2.9%

Unemployment

8,790

Housing units

73.8%

Bachelor's or higher

Age distribution

Male Female

527

Under 5

540

631

5–9

645

781

10–14

800

861

15–19

881

232

20–24

238

674

25–34

690

1,622

35–44

1,660

1,625

45–54

1,663

919

55–59

940

993

60–64

1,016

2,212

65–74

2,265

920

75–84

942

200

85+

204

← Male

Female →

Age summary

Group	Count	%
Under 18	5,125	20.8%
18 and over	19,556	79.2%
65 and over	6,743	27.3%
Median age	49.5 years

Race & ethnicity

White 84.7%

Two or more races 6.1%

Hispanic or Latino 3.6%

Asian 3.6%

Other race 1.6%

Black or African American 0.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	21,686	84.7%
Two or more races	1,574	6.1%
Hispanic or Latino	915	3.6%
Asian	910	3.6%
Other race	403	1.6%
Black or African American	58	0.2%
American Indian / Alaska Native	47	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.2%	29.2%	31.7%
$50k – $100k	19.9%	33.5%	30.6%
$100k – $200k	34.0%	28.5%	27.1%
Over $200k	25.9%	8.7%	10.6%

Under $10k 2.1%

$10k–$15k 1.3%

$15k–$25k 2.4%

$25k–$35k 2.6%

$35k–$50k 5.6%

$50k–$75k 9.1%

$75k–$100k 9.2%

$100k–$150k 17.4%

$150k–$200k 14.1%

$200k+ 36.2%

Range	% of households
Under $10k	2.1%
$10k–$15k	1.3%
$15k–$25k	2.4%
$25k–$35k	2.6%
$35k–$50k	5.6%
$50k–$75k	9.1%
$75k–$100k	9.2%
$100k–$150k	17.4%
$150k–$200k	14.1%
$200k+	36.2%
Median income	$151,290

Housing

Home values

Under $50k 0.4%

$50k–$100k 0.4%

$100k–$150k 0.1%

$150k–$200k 0.2%

$200k–$300k 2.1%

$300k–$500k 8.1%

$500k–$1M 39.9%

$1M+ 48.7%

Housing overview

Metric	Value
Median home value	$985,400
Median rent / month	$1,965
Owner occupied	81.2%
Renter occupied	18.8%
Vacant	7.4%
Single-family detached	78.7%
Large apartment buildings	5.5%
Mobile homes	1.8%
Median rooms	6.3
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.8%
2010–2019	9.5%
2000–2009	16.7%
1990–1999	19.7%
1980–1989	18.0%
1970–1979	14.3%
1960–1969	6.1%
1950–1959	4.0%
1940–1949	3.7%
1939 or earlier	7.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	7.4%
2 bedrooms	24.1%
3 bedrooms	39.4%
4 bedrooms	21.7%
5+ bedrooms	5.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	30.1%
2 vehicles	42.8%
3 or more	24.0%

Heating fuel

Fuel type	%
Utility gas	3.0%
Electricity	73.0%
Propane / LP gas	12.6%
Fuel oil	6.8%
Wood	2.3%
Solar	0.5%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	6,451	65.5%
Cohabiting couple	430	4.4%
Male householder, no spouse	953	9.7%
Female householder, no spouse	2,016	20.5%
Households with children under 18	3,025	30.7%
Households with seniors (65+)	4,194	42.6%
Average household size	2.49

Marital status

Status	Male	Female
Never married	21.5%	18.8%
Married	68.6%	62.4%
Separated	0.9%	1.2%
Widowed	1.7%	5.8%
Divorced	7.3%	11.9%

Education

Less than 9th grade 0.2%

Some HS, no diploma 0.2%

HS graduate 6.8%

Some college, no degree 13.6%

Associate's degree 5.5%

Bachelor's degree 39.0%

Graduate / professional 34.8%

Metric	%
HS diploma or higher	99.6%
Bachelor's or higher	73.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	529	9.5%
Kindergarten	197	3.5%
Elementary school	2,290	41.2%
High school	1,622	29.2%
College / grad school	916	16.5%

Employment

Industry of employment

Professional & management 26.0%

Education & healthcare 23.4%

Retail trade 11.2%

Arts, food & hospitality 7.3%

Finance & real estate 6.9%

Public administration 5.0%

Manufacturing 4.9%

Construction 4.7%

Information 3.4%

Other services 3.4%

Transportation & utilities 2.1%

Wholesale trade 1.2%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	67.1%
Service	10.7%
Sales & office	17.2%
Natural resources & construction	2.3%
Production & transportation	2.8%

Employment type

Type	%
Private sector	74.4%
Government	14.8%
Self-employed	10.7%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	40.2%
Carpool	3.4%
Public transit	18.2%
Walk	5.0%
Work from home	30.7%
Other means	2.5%
Avg commute (minutes)	38.3

Poverty

All people 2.9%

Under 18 years 1.0%

18 and over 3.4%

Married-couple families 0.3%

Female-led households 3.9%

Income support

Source	% of households
Social Security	39.6%
Retirement income	32.1%
Supplemental Security	1.5%
Cash public assistance	1.2%
Food stamps / SNAP	2.3%

Health indicators

Condition	%
Obesity	27.3%
High blood pressure	31.1%
High cholesterol	35.0%
Diabetes	8.0%
Heart disease	5.3%
Stroke	2.3%
Asthma	9.3%
Arthritis	25.3%
Kidney disease	2.6%
Pulmonary disease	4.4%
Cancer	8.3%

Behavior / access	%
Smoking	8.4%
Binge drinking	15.2%
No physical activity	11.0%
Less than 7 hrs sleep	24.9%
Depression	22.6%
Fair or poor health	8.4%
Poor mental health	11.0%
Poor physical health	7.7%
No health insurance	5.3%
Visited doctor (checkup)	75.1%
Visited dentist	81.5%
Cholesterol screening	93.8%
Teeth loss	5.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,582	8.1%

Disability	%
Any disability	8.8%
Under 18	3.5%
18–64 years	5.2%
65 and over	19.7%

Health insurance coverage

Type	%
Private insurance	83.1%
Public insurance	34.2%
No insurance	2.6%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,614	95.7%
Spanish	113	0.5%
Other Indo-European	31	0.1%
Asian & Pacific Islander	26	0.1%
Other languages	56	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	22,868	92.7%
Born in same state	22,422	90.8%
Born in different state	8,002	32.4%
Foreign born	446	1.8%
Naturalized citizen	1,813	7.3%
Not a US citizen	1,191	65.7%

Ancestry

Ancestry	Count	%
French	4,723	19.1%
Italian	3,472	14.1%
Polish	1,083	4.4%
Arab	722	2.9%
English	571	2.3%

Ancestry	Count	%
Dutch	345	1.4%
Norwegian	158	0.6%
German	136	0.6%
Irish	125	0.5%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	98.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 98110

What city is ZIP code 98110 in?

ZIP code 98110 is primarily assigned to Bainbridge Island, Washington.

What county is ZIP code 98110 in?

ZIP code 98110 falls within Kitsap County, Washington.

How educated is the population of ZIP code 98110?

74% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 98110 have an older population?

27% of residents in ZIP code 98110 are 65 or older, above the national average of ~17%.

Is ZIP code 98110 mostly owner-occupied?

81% of occupied units in ZIP code 98110 are owner-occupied, well above the national average.

Does ZIP code 98110 have a large retiree population?

40% of households in ZIP code 98110 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 98110 in?

ZIP code 98110 observes the PST timezone.