Whatcom County, WA Average Home Price (2026)
The average home price in Whatcom County, Washington is about $567,500 (the 2026 median across 16 ZIP codes, at ~$355/sq ft) — 13% more expensive than the Washington median and 96% more expensive than the typical U.S. home.
How Whatcom County compares
Whatcom County is relatively expensive for housing nationally: its typical home costs $567,500 against $501,000 for Washington and $289,000 for the U.S. Within the county, ZIP-level values run from about $319,000 to $688,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Whatcom County | $567,500 | $355 |
| Washington | $501,000 | $312 |
| United States | $289,000 | $193 |
Cities in Whatcom County
Cities with their own home-value page, largest first:
Whatcom County home prices by ZIP code
The 15 most valuable ZIP codes in Whatcom County (of 16 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 98229 Bellingham | $688,000 | $389 | +21% |
| 98240 Custer | $655,000 | $355 | +15% |
| 98225 Bellingham | $653,000 | $492 | +15% |
| 98262 Lummi Island | $643,000 | $410 | +13% |
| 98226 Bellingham | $640,000 | $381 | +13% |
| 98264 Lynden | $617,000 | $355 | +9% |
| 98248 Ferndale | $614,000 | $331 | +8% |
| 98247 Lynden | $602,000 | $358 | +6% |
| 98230 Blaine | $533,000 | $352 | -6% |
| 98276 Nooksack | $509,000 | $346 | -10% |
| 98220 Acme | $503,000 | $189 | -11% |
| 98295 Sumas | $443,000 | $270 | -22% |
| 98283 Rockport | $408,000 | $138 | -28% |
| 98281 Point Roberts | $391,000 | $424 | -31% |
| 98266 Maple Falls | $381,000 | $303 | -33% |
Home value appreciation in Whatcom County
Home prices in Whatcom County have risen about 121% over the last 10 years (≈8.2% a year) and +140.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.1% — still rising. A home worth $567,500 today was worth roughly $257,253 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Washington is +113.0% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Whatcom County
Run the numbers for Whatcom County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Whatcom County
To buy the typical $567,500 home in Whatcom County with 20% down, you need a household income of roughly $154,000 a year (about $3,600 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $183,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $28,400 | $4,480/mo | $192,000/yr |
| 10% (+PMI) | $56,800 | $4,280/mo | $183,000/yr |
| 20% | $113,500 | $3,600/mo | $154,000/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 Whatcom County
At about $355 per square foot, here is roughly how much home different budgets get you in Whatcom County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 850 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1410 sq ft | around the typical home here |
| $600k | 1690 sq ft | around the typical home here |
| $750k | 2110 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 filtered to Washington.
Estimate a specific home in Whatcom County
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Whatcom County home prices: frequently asked
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Browse all Washington cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.