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Ferndale, Whatcom County, Washington Property Taxes

  • Median Ferndale, WA effective property tax rate: 0.70%, significantly lower than the national median of 1.02%, but lower than the Washington state median of 0.88%.

  • Median Ferndale, WA home value: $527,794

  • Median annual Ferndale, WA tax bill: $3,613, $1,213 higher than the national median property tax bill of $2,400.

How are property taxes in Whatcom calculated?

Property taxes in Ferndale, WA are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Ferndale’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ferndale, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Ferndale, Whatcom County, Washington Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.7%

Estimate Property Tax Bill

$3,695

$3,428

SAVE WITH OWNWELL

$1,102

Average Tax Savings

Ownwell’s Ferndale Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Ferndale with just two data points. By entering your property's estimated assessed value, our calculator applies Ferndale’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Whatcom County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Ferndale, Whatcom County, Washington

Local government entities in Ferndale, located in Whatcom County, WA, are responsible for setting property tax rates, which can significantly differ across the state. Each year, Whatcom County calculates its necessary budget to fund essential services and divides this by the total assessed value of all taxable property within its boundaries. This process determines the property tax rate for the area. While setting tax rates involves votes and legal frameworks, this annual procedure is the core method used.

In Ferndale, the effective property tax rate stands at 0.70%, which is notably below the national median property tax rate of 1.02%. This makes Ferndale an attractive option for property owners looking to minimize their tax burden. When compared to other cities in Washington, Ferndale's rate remains consistent, reflecting the county's balanced approach to budgeting and taxation. For residents and potential property buyers, understanding these rates can provide valuable insight into the financial implications of property ownership in the region.

Property Tax Rates Across Ferndale, Whatcom County, Washington

Source: Ownwell

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0.48%

0.68%

0.88%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Ferndale Tax Rate

0.70%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Whatcom County Tax Rate

0.73%

Median Effective Washington Tax Rate

0.88%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Ferndale, Whatcom County, Washington

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
982480.35%0.63%0.70%0.77%0.83%

Source: Ownwell

Property Tax Assessment Values Across Ferndale, Whatcom County, Washington

When examining property taxes in Ferndale, WA, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Whatcom County appraisal district estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices: In Whatcom County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Ferndale.

For example, the median home price in Ferndale is $527,794, with tax bills ranging significantly across the county. 98248 has the highest median home price at $527,794.

Property Tax Assessment Values Across Ferndale, Whatcom County, Washington

Source: Ownwell

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$75,880

$355,009

$634,137

Median Ferndale Market Value

$527,794

Median Whatcom County Market Value

$517,614

Median Washington Market Value

$482,000

Median United States Market Value

$235,294

Property Tax Assessment Values Across Ferndale, Whatcom County, Washington

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
98248$162,695$409,177$527,794$664,202$848,358

Source: Ownwell

Property Tax Bills Across Ferndale, Whatcom County, Washington

In Ferndale, located in Whatcom County, WA, property tax bills are calculated based on the assessed value of a home. This assessed value is determined by the local tax assessor and reflects the market value of the property. Property tax rates are applied to this assessed value to calculate the annual tax bill. In Ferndale, the median property tax bill is $3,613, which is higher than the national median property tax bill of $2,400. Homeowners in Ferndale may find themselves paying significantly more, especially at the upper end where the 90th percentile tax bill reaches $6,260. These higher tax bills can impact homeowners by increasing their annual expenses, making it crucial to ensure they are not overpaying. Ownwell offers services to help homeowners in Ferndale reduce their property tax bills by identifying potential savings through appeals and exemptions. By leveraging their expertise, homeowners can potentially lower their tax burden, ensuring they only pay their fair share.

Property Tax Bills Across Ferndale, Whatcom County, Washington

Source: Ownwell

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$389

$2,548

$4,706

Median Ferndale Tax Bill

$3,613

Median Whatcom County Tax Bill

$3,632

Median Washington Tax Bill

$4,284

Median United States Tax Bill

$2,400

Property Tax Bills Across Ferndale, Whatcom County, Washington

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
98248$482$2,367$3,613$4,908$6,260

Source: Ownwell

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