Whatcom County, Washington home prices
Typical home $607,644 · +0.3% in a year · property tax 0.7%
The typical home in Whatcom County is worth $607,644, 3% more than the Washington typical home ($587,533). Values changed +0.3% in the past year and +12.9% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($4,239 on the typical home), versus 0.81% statewide.
Mortgage on the typical Whatcom County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $121,529 | $486,115 | $3,270 | $0 | $657 | $3,927 | $168,300 |
| 10% down | $60,764 | $546,880 | $3,679 | $228 | $657 | $4,564 | $195,600 |
| 5% down | $30,382 | $577,262 | $3,883 | $241 | $657 | $4,781 | $204,900 |
| 3.5% down (FHA) | $21,268 | $596,638 | $4,014 | $269 | $657 | $4,939 | $211,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Washington · part of the Bellingham metro area.
Washington counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County | $593,704 | -0.5% | 0.71% |
| Island County | $634,229 | +0.5% | 0.67% |
| Kitsap County | $579,133 | +1.1% | 0.77% |
| Skagit County | $576,374 | +0.7% | 0.79% |
| Skamania County | $559,410 | +0.6% | 0.67% |
| Pierce County | $559,277 | +0.2% | 0.91% |
| Clark County | $541,704 | +0.2% | 0.82% |
| Chelan County | $531,212 | -0.8% | 0.71% |
| Thurston County | $521,378 | +0.1% | 0.88% |
| Kittitas County | $494,987 | +0.2% | 0.71% |
Frequently asked questions
What is the average home price in Whatcom County, WA?
The typical home value in Whatcom County is $607,644 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Whatcom County?
About $168,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Whatcom County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).