Is Gig Harbor Expensive? Let’s Break Down the Real Cost of Living in 2025

People love to call Gig Harbor expensive—and yeah, it’s no bargain bin. But compared to Bellevue or San Francisco? We’re practically having a sale. Even Seattle’s pricier than us in a lot of ways. This isn’t overpricing—it’s demand. Let’s dig into what it actually costs to live here in 2025—from gas to groceries, childcare to taxes—and why people keep signing up anyway.

Why Gig Harbor Commands a Premium

Living in Gig Harbor isn’t just about numbers. It’s about lifestyle, investment, and sanity. Waterfront views, excellent schools, clean air, and an actual sense of community—you’re paying for that. And honestly? Most people think it’s worth it.

Gas, Groceries, and Getting Around

• Gas: About $4.36 per gallon (thanks, Washington gas tax)
• Toll: Tacoma Narrows Bridge is $5.25 leaving town—coming back is free. Loyalty matters.
• Transit: Bus service is limited, but local taxis like Gig Harbor Taxi are reliable.
• Insurance: Car insurance is about 20% cheaper than the national average.

If you drive an EV, you’ll love the charging spots around Uptown and downtown.

Groceries: Play It Smart

Food’s not cheap, but smart shoppers know the drill:

• Hit Fred Meyer and Costco for staples
• Splurge at Harbor Greens for quality produce
• Stock up at the Downtown Farmers Market for fresh local bounty

Seasonal eating = saving money + moral superiority at the dinner table.

Utilities and Internet: Manageable

• Electricity: About 15–20% cheaper than the U.S. average
• Internet: $75–$100/month for fast service
• Cell Plans: $90–$110/month

Nothing extreme here—just regular predictable bills.

Childcare Costs: Bring Your Wallet

• Infant Care: $1,200–$1,600/month
• Preschool: $500–$900/month (depending on hours)

Shared nanny setups in neighborhoods like Artondale and Peacock Hill make childcare a bit more doable.

Taxes: No Free Lunch

• State Income Tax: None (high five!)
• Sales Tax: 9.1%
• Property Tax: About 1% of assessed value

You’ll keep more of your paycheck, but you'll still feel it at the register and when you buy a home.

Income Levels: The Balancing Act

• Minimum Wage: $16.66/hour (Seattle: $20.76/hour)
• Average Household Income (Gig Harbor): ~$106,000
• Average Income Per Person: ~$64,000

Good wages help balance higher living costs—especially if you're commuting into Tacoma or Seattle.

Housing: What You’re Really Paying For

• Median Home Price: ~$808,000
• Median Rent: ~$3,666/month
• Annual Price Growth: 7%

Sure, it’s a big number—but you’re getting more than just a house. You’re getting a lifestyle.

Is Gig Harbor Affordable?

It depends where you’re coming from—and what you value. For people who care about community, stability, and lifestyle? **Gig Harbor is worth every dollar.**

✅ Download my Free Gig Harbor Relocation Guide ➔