Average mortgage payment in Whatcom County, WA (2026)
The average mortgage payment in Whatcom County on a median-priced home (~$605,000) is roughly $4,625/month — assuming 10% down at a 6.85% 30-year fixed rate and Washington's 0.94% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $198,206. County population is roughly 226,847.
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How Whatcom County compares to Washington
The typical home in Whatcom County is right at the statewide median of $605,000 in Washington. Property tax is set at the state's effective rate of 0.94% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Whatcom County?+
On a median Whatcom County home (~$605,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $4,625/month, including ~$474 in property tax.
What income do I need to buy a home in Whatcom County?+
Using the 28% front-end DTI rule, you'd need roughly $198,206 in annual gross household income to comfortably carry the median Whatcom County home.
How does Whatcom County compare to the rest of Washington?+
Whatcom County's median home ($605,000) is in line with the Washington median of $605,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.