The median home in Ferndale, Washington is valued at $598,450, up 0.0% year over year. Typical monthly rent is $2,187, producing a price-to-rent ratio of 22.8x — well above the national average of 18x. Ferndale is part of the Bellingham, WA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$598,450
+0.0%
Rent$2,187/mo
AFFORDABILITYRenting $1,444/mo cheaper ($2,187 rent)6.50% 30yr, 20% down, county tax + WA ins. 28% per HUD.
Enter your income for Ferndale.
$119,690 on $598,450
Out of reach — 58.1% of income
Need $155,614/yr to afford.
PITI$3,631
P/I58.1%
Afford$288K
Gap-$310K
P&I $3,026Tax $489Ins $117
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Washington
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Full Bellingham, WA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Bellingham, WA metro.
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