Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$607,644+0.3% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$131,725About 1.5× the local median income ($85,471): hard to afford
Days on market64 daysAbout the same pace as a year ago
Next 12 months+0.9%Zillow expects prices to rise slightly
The typical home in Whatcom County, WA is worth $607,644, about the same as a year ago. That is slightly above what local incomes have historically supported: fair value is about $556,692, so the area is 9.2% overvalued. It is a buyer's market: homes take about 64 days to sell, listings are up 13% from a year ago, 20% of listings have had a price cut. Zillow expects prices to rise about 0.9% over the next year. A household needs about $131,725 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $85,471. Typical rent is $1,951 a month, or $2,689 for a house. In the latest IRS figures, 806 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$607,644
Change in 1 year
+0.3%
Overvalued %
+9.2%
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Fair home value
$556,692
Change in 5 years
+12.9%
Zillow forecast, next 12 months
+0.9%
Home value to income
7.1×
Monthly mortgage payment (20% down)
$3,293
Income needed to afford it
$131,725
Property tax rate
0.70%
Rent and investing
Typical rent
$1,951
Typical rent for houses
$2,689
Price-to-rent ratio
25.9×
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HUD Fair Market Rent, 2 bedrooms
$1,872
Gross rental yield
3.85%
Cap rate (estimate)
2.50%
Market activity
Listings vs a year ago
+13.1%
Days on market
64
Listings with a price cut
19.9%
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Homes for sale
964
Pending sales per 100 listings
22
Asking price per sq ft
$367
People and jobs
Median household income
$85,471
Population change (1 year)
+0.8%
Unemployment rate
4.8%
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Population
236,392
Income adjusted for cost of living
$82,741
Net moves in (IRS)
+806
Cost of living (US = 100)
103.3
Schools, risk and environment
School rating (1 to 10)
6.1
FEMA hazard risk score (0 to 100)
91.0
Unhealthy air days a year
1
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Flood risk score
88.9
Wildfire risk score
61.7
Walkability (1 to 20)
7.3
Road, rail and air noise
53 dB
Questions people ask
Is Whatcom County, WA overvalued?
Home prices in Whatcom County, WA are slightly above what local incomes have historically supported: fair value is about $556,692, so the area is 9.2% overvalued.
Is Whatcom County, WA a buyer's or seller's market?
Whatcom County, WA is a buyer's market: homes take about 64 days to sell, listings are up 13% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Whatcom County, WA?
Home values in Whatcom County, WA are up 0.3% over the last year. Zillow's forecast for the next 12 months is +0.9%.
How much do you need to earn to buy a home in Whatcom County, WA?
A household needs about $131,725 a year to afford the typical home in Whatcom County, WA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $85,471.