Market Overview
Home Prices in Ferndale, WA
The median home value in Ferndale, WA is $623,372 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ferndale are priced52% above average. Ferndale is part of the Bellingham, WA metro area.
Over the past five years, Ferndale home values have risen by approximately17.7%, reflecting steady appreciation in this market.
Price History
Ferndale Home Price Trend
City Comparison
Ferndale vs. National Median
At $623,372, homes in Ferndale cost 52% 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
$124,674
on $623,372
Monthly P&I
$3,251/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,129/mo
incl. taxes & insurance
Income Needed
$165,160
gross annual (30% rule)
10% Down Option
$62,337
+ PMI applies
Loan Amount (20% dn)
$498,698
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, WA?
The median home value in Ferndale is $623,372 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Ferndale?
Over the past year, home values in Ferndale have increased by 0.3%. Over five years, prices have risen approximately 17.7%.
How much do I need to earn to buy a home in Ferndale?
To comfortably afford the median home price of $623,372 with a 20% down payment ($124,674) at today's rates (6.8%), you'd need a gross annual income of approximately $165,160. 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 $623,372, homes in Ferndale are 52% above the national average.
What metro area is Ferndale part of?
Ferndale is part of the Bellingham, WA metropolitan area. Home prices and market conditions can vary across the broader metro region.