Housing Kitsap has been offering the USDA's Mutual Self Help Program in Kitsap County and surrounding counties since 1973.

This unique and rewarding program allows income eligible applicants the opportunity to own their own home, by participating in groups of 8-12 families to build each other’s homes, with lots of help from Housing Kitsap. Mortgage payments are subsidized – based on total household income – making it more affordable for hard-working families and individuals to own a home.

We changed our house plans in 2009 to become more energy efficient and environmentally friendly, which ultimately cuts homeownership costs. All of our homes meet Northwest Energy Star® requirements, exceed Washington State's Evergreen Standard® and achieve all 3 stars in the Kitsap Built Green Program®.  We have reached this level of efficiency by using radiant floor heating, advanced framing techniques, high value insulation and high performance windows, combined with air leakage testing and sealing. These features allow for lower energy and water costs for our homeowners.