Market Overview
Home Prices in Ferndale, CA
The median home value in Ferndale, CA is $506,211 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.6% compared to a year ago and down 10.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ferndale are priced23% above average. Ferndale is part of the Eureka-Arcata, CA metro area.
Over the past five years, Ferndale home values have fallen by approximately17.8%, reflecting softening conditions in this market.
Price History
Ferndale Home Price Trend
City Comparison
Ferndale vs. National Median
At $506,211, homes in Ferndale cost 23% above the national median of $410,000. Buyers in Ferndale should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Ferndale?
20% Down Payment
$101,242
on $506,211
Monthly P&I
$2,640/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,353/mo
incl. taxes & insurance
Income Needed
$134,120
gross annual (30% rule)
10% Down Option
$50,621
+ PMI applies
Loan Amount (20% dn)
$404,969
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ferndale, CA?
The median home value in Ferndale is $506,211 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.6% year-over-year.
How much have home prices changed in Ferndale?
Over the past year, home values in Ferndale have increased by 0.6%. Over five years, prices have fallen approximately 17.8%.
How much do I need to earn to buy a home in Ferndale?
To comfortably afford the median home price of $506,211 with a 20% down payment ($101,242) at today's rates (6.8%), you'd need a gross annual income of approximately $134,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Ferndale compare to the national average home price?
The national median home value is approximately $410,000. At $506,211, homes in Ferndale are 23% above the national average.
What metro area is Ferndale part of?
Ferndale is part of the Eureka-Arcata, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.