ZIP Code 98225 — Bellingham, WA Home Prices (2026)
The typical home in ZIP 98225 (Bellingham, Washington) is worth about $671,000 at roughly $497 per square foot — about the same as the Bellingham median and 128% more expensive than the typical U.S. home.
How 98225 compares
ZIP 98225 is a mid-priced ZIP code for Bellingham: its typical home value of $671,000 ranks #2 of the 3 Bellingham ZIP codes we track (the citywide range runs from $654,000 in 98226 to $702,000 in 98229). Per square foot it costs about $497, against $396 for Bellingham as a whole, $317 for Washington, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 98225 | $671,000 | $497 |
| Bellingham, WA | $671,000 | $396 |
| Washington | $519,500 | $317 |
| United States | $294,000 | $195 |
Home value by size in 98225
Using this ZIP’s rate of about $497 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $497,000 |
| 1,500 sq ft | $745,500 |
| 2,000 sq ft | $994,000 |
| 2,500 sq ft | $1,242,500 |
| 3,000 sq ft | $1,491,000 |
Salary needed to buy a home in ZIP 98225
To buy the typical $671,000 home in ZIP 98225 with 20% down, you need a household income of roughly $183,000 a year (about $4,260 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $217,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $33,600 | $5,290/mo | $227,000/yr |
| 10% (+PMI) | $67,100 | $5,060/mo | $217,000/yr |
| 20% | $134,200 | $4,260/mo | $183,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 98225
At about $497 per square foot, here is roughly how much home different budgets get you in ZIP 98225:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 800 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1210 sq ft | around the typical home here |
| $750k | 1510 sq ft | around the typical home here |
| $1.00M | 2010 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 98225 home.
Estimate a specific home in 98225
The estimator below is pre-set to ZIP 98225 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Bellingham ZIP codes by home value
Where 98225 sits among Bellingham’s 3 ZIP codes:
ZIP 98225 home prices: frequently asked
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See the full Bellingham home values page, all Washington cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.