Bellingham, WA home prices
Typical home $607,630 · +0.3% in a year · income needed $168,300
The Bellingham, WA metro area ranks 41 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.3% in a year and +12.9% over five years. With 20% down at 7.11%, the typical home costs about $3,927 a month including 0.7% property tax (Whatcom County rate).
Mortgage on the typical Bellingham home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $121,526 | $486,104 | $3,270 | $0 | $657 | $3,927 | $168,300 |
| 10% down | $60,763 | $546,867 | $3,679 | $228 | $657 | $4,564 | $195,600 |
| 5% down | $30,382 | $577,249 | $3,883 | $241 | $657 | $4,781 | $204,900 |
| 3.5% down (FHA) | $21,267 | $596,624 | $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.
Counties in the Bellingham area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Whatcom County, WA | $607,644 | +0.3% | 0.7% |
What can you afford in Washington on your salary? · Washington home prices · Salaries in Washington
Frequently asked questions
How much is a house in Bellingham?
The typical home in the Bellingham, WA metro area is worth $607,630 (Zillow, September 2026).
What salary do you need to buy a house in Bellingham?
About $168,300 a year for the typical home with 20% down at 7.11%.