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.

Home Value$598,450

+0.0%

Rent$2,187/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$119,690 on $598,450

Example: $75,000 household income. Change it above to see your own.

Out of reach58.1% of income

Need $155,614/yr to afford.

PITI$3,631

P/I58.1%

Afford$288K

Gap-$310K

P&I $3,026Tax $489Ins $117

Renting $1,444/mo cheaper ($2,187 rent)6.50% 30yr, 20% down, county tax + WA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Washington

Compare Ferndale with other housing markets across Washington.

Hunts Point$7.98M Medina$4.38M Yarrow Point$4.21M Clyde Hill$4.01M Beaux Arts Village$2.76M Woodway$2.3M Mercer Island$2.24M Sammamish$1.57M

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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Ferndale, WA