98370 ZIP Code — Poulsbo, WA

Kitsap County, Washington

ZIP code 98370 is located in Poulsbo, Washington, within Kitsap County. It covers approximately 56.32 square miles and serves a population of 32,862 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 360/564.

About ZIP code 98370

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 $532,800. Owner-occupancy is high at 78%, well above the national average.

Median household income is $103,323. The poverty rate of 6% is below the national average. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 29 minutes is near the national average.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 98370 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

32,862

population

56.32

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

98370 ZIP code map

Cities in ZIP code 98370

Below are the cities the US Postal Service accepts for ZIP code 98370. Using any city not on this list may result in mail delivery delays.

City	Status
Poulsbo	Acceptable
Poulsbo	Preferred

Nearby ZIP codes

98392 Suquamish (3 mi) 98342 Indianola (4.3 mi) 98315 Silverdale (5 mi) 98346 Kingston (6.2 mi) 98383 Silverdale (7 mi) 98110 Bainbridge Island (8.4 mi) 98311 Bremerton (8.6 mi) 98365 Port Ludlow (10.9 mi) 98310 Bremerton (11.1 mi) 98376 Quilcene (11.1 mi) 98340 Hansville (11.2 mi) 98177 Seattle (11.4 mi)

Demographics updated 05/2026

Population
Total population	32,862
Population density	583 / sq mi
State FIPS	53
County FIPS	035

Geography
Land area	56.32 sq mi
Water area	9.67 sq mi
Latitude	47.7543
Longitude	-122.6203
Timezone	Pacific (PT)
Area code	360/564

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.2%	29.2%	31.7%
$50k – $100k	29.0%	33.5%	30.6%
$100k – $200k	33.9%	28.5%	27.1%
Over $200k	9.9%	8.7%	10.6%

Demographics & statistics

32,862

Population

583

People per sq mi

44.9

Median age

$103,323

Median household income

$51,171

Per capita income

$532,800

Median home value

$1,698

Median monthly rent

77.7%

Home ownership

6.2%

Poverty rate

4.1%

Unemployment

10,973

Housing units

42.2%

Bachelor's or higher

Age distribution

Male Female

871

Under 5

858

740

5–9

729

1,000

10–14

986

988

15–19

974

696

20–24

685

2,009

25–34

1,980

1,997

35–44

1,968

2,174

45–54

2,142

1,360

55–59

1,340

1,143

60–64

1,127

2,224

65–74

2,192

1,062

75–84

1,047

287

85+

283

← Male

Female →

Age summary

Group	Count	%
Under 18	6,484	19.7%
18 and over	26,378	80.3%
65 and over	7,095	21.6%
Median age	44.9 years

Race & ethnicity

White 78.1%

Two or more races 9.9%

Hispanic or Latino 5.1%

Asian 2.8%

Other race 1.6%

Black or African American 1.3%

American Indian / Alaska Native 0.9%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	27,051	78.1%
Two or more races	3,424	9.9%
Hispanic or Latino	1,760	5.1%
Asian	968	2.8%
Other race	537	1.6%
Black or African American	460	1.3%
American Indian / Alaska Native	307	0.9%
Native Hawaiian / Pacific Islander	115	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	27.2%	29.2%	31.7%
$50k – $100k	29.0%	33.5%	30.6%
$100k – $200k	33.9%	28.5%	27.1%
Over $200k	9.9%	8.7%	10.6%

Under $10k 2.8%

$10k–$15k 2.6%

$15k–$25k 3.9%

$25k–$35k 3.3%

$35k–$50k 9.7%

$50k–$75k 14.1%

$75k–$100k 12.0%

$100k–$150k 21.2%

$150k–$200k 14.6%

$200k+ 15.7%

Range	% of households
Under $10k	2.8%
$10k–$15k	2.6%
$15k–$25k	3.9%
$25k–$35k	3.3%
$35k–$50k	9.7%
$50k–$75k	14.1%
$75k–$100k	12.0%
$100k–$150k	21.2%
$150k–$200k	14.6%
$200k+	15.7%
Median income	$103,323

Housing

Home values

Under $50k 1.8%

$50k–$100k 2.4%

$100k–$150k 1.0%

$150k–$200k 2.1%

$200k–$300k 6.0%

$300k–$500k 31.9%

$500k–$1M 49.0%

$1M+ 5.8%

Housing overview

Metric	Value
Median home value	$532,800
Median rent / month	$1,698
Owner occupied	77.7%
Renter occupied	22.3%
Vacant	5.5%
Single-family detached	77.3%
Large apartment buildings	3.5%
Mobile homes	7.9%
Median rooms	6.3
Avg household size (owned)	2.56

Year built

Era	%
2020 or later	0.1%
2010–2019	9.8%
2000–2009	19.0%
1990–1999	22.9%
1980–1989	17.8%
1970–1979	15.8%
1960–1969	5.6%
1950–1959	1.6%
1940–1949	1.9%
1939 or earlier	5.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.9%
1 bedroom	7.4%
2 bedrooms	17.7%
3 bedrooms	49.6%
4 bedrooms	19.0%
5+ bedrooms	4.4%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	23.8%
2 vehicles	38.8%
3 or more	34.1%

Heating fuel

Fuel type	%
Utility gas	21.0%
Electricity	59.5%
Propane / LP gas	8.0%
Fuel oil	2.4%
Wood	8.1%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	7,695	58.6%
Cohabiting couple	572	4.4%
Male householder, no spouse	2,175	16.6%
Female householder, no spouse	2,684	20.4%
Households with children under 18	3,954	30.1%
Households with seniors (65+)	4,926	37.5%
Average household size	2.49

Marital status

Status	Male	Female
Never married	26.1%	21.1%
Married	61.6%	58.4%
Separated	0.5%	0.8%
Widowed	2.5%	7.6%
Divorced	9.3%	12.0%

Education

Less than 9th grade 0.9%

Some HS, no diploma 3.0%

HS graduate 19.5%

Some college, no degree 24.1%

Associate's degree 10.3%

Bachelor's degree 26.5%

Graduate / professional 15.7%

Metric	%
HS diploma or higher	96.1%
Bachelor's or higher	42.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	523	7.7%
Kindergarten	382	5.6%
Elementary school	2,786	40.8%
High school	1,607	23.6%
College / grad school	1,524	22.3%

Employment

Industry of employment

Education & healthcare 21.7%

Professional & management 13.6%

Public administration 12.1%

Retail trade 10.9%

Manufacturing 8.7%

Arts, food & hospitality 8.5%

Construction 6.4%

Finance & real estate 5.4%

Other services 4.5%

Transportation & utilities 4.1%

Agriculture & mining 1.7%

Wholesale trade 1.3%

Information 1.1%

Occupation

Category	%
Management, business & arts	50.2%
Service	16.3%
Sales & office	17.6%
Natural resources & construction	7.8%
Production & transportation	8.1%

Employment type

Type	%
Private sector	66.3%
Government	27.2%
Self-employed	6.5%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	65.4%
Carpool	10.2%
Public transit	4.7%
Walk	1.5%
Work from home	17.0%
Other means	1.2%
Avg commute (minutes)	29.0

Poverty

All people 6.2%

Under 18 years 4.7%

18 and over 6.6%

Married-couple families 1.9%

Female-led households 14.1%

Income support

Source	% of households
Social Security	35.4%
Retirement income	37.7%
Supplemental Security	5.2%
Cash public assistance	3.1%
Food stamps / SNAP	7.9%

Health indicators

Condition	%
Obesity	29.7%
High blood pressure	31.4%
High cholesterol	33.7%
Diabetes	8.7%
Heart disease	5.8%
Stroke	2.7%
Asthma	10.0%
Arthritis	25.4%
Kidney disease	2.7%
Pulmonary disease	5.6%
Cancer	7.5%

Behavior / access	%
Smoking	12.7%
Binge drinking	16.4%
No physical activity	14.5%
Less than 7 hrs sleep	27.9%
Depression	24.9%
Fair or poor health	11.1%
Poor mental health	13.5%
Poor physical health	9.3%
No health insurance	8.2%
Visited doctor (checkup)	73.0%
Visited dentist	75.0%
Cholesterol screening	90.4%
Teeth loss	9.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,609	14.1%

Disability	%
Any disability	13.5%
Under 18	4.1%
18–64 years	11.1%
65 and over	28.8%

Health insurance coverage

Type	%
Private insurance	78.0%
Public insurance	38.2%
No insurance	3.0%
Uninsured under 19	2.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	31,133	94.7%
Spanish	629	2.0%
Other Indo-European	312	1.0%
Asian & Pacific Islander	44	0.1%
Other languages	179	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	31,044	94.5%
Born in same state	30,049	91.4%
Born in different state	14,868	45.2%
Foreign born	995	3.0%
Naturalized citizen	1,818	5.5%
Not a US citizen	1,300	71.5%

Ancestry

Ancestry	Count	%
French	5,456	16.6%
Italian	4,917	15%
Polish	2,367	7.2%
Arab	1,358	4.1%
English	537	1.6%

Ancestry	Count	%
Dutch	528	1.6%
German	161	0.5%
Irish	42	0.1%
Norwegian	18	0.1%

Technology access

Metric	% of households
Computer access	39.9%
Internet access	97.3%

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

Frequently asked questions about ZIP code 98370

What city is ZIP code 98370 in?

ZIP code 98370 is primarily assigned to Poulsbo, Washington.

What county is ZIP code 98370 in?

ZIP code 98370 falls within Kitsap County, Washington.

Does ZIP code 98370 have a large veteran population?

14% of civilians in ZIP code 98370 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 98370?

The median home value in ZIP code 98370 is $532,800.

Does ZIP code 98370 have a large retiree population?

35% of households in ZIP code 98370 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 98370?

The median household income in ZIP code 98370 is $103,323, above the national median of ~$75,000.

What timezone is ZIP code 98370 in?

ZIP code 98370 observes the PST timezone.