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Renting · Section 8

Data from November 2026

Renting in Whatcom County, Washington

Whatcom County has a HUD fair market rent of $1,872 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,555 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $36.00 an hour, full time.

Four numbers to start with

Fair market rent, 2 bedrooms
$1,872
a month, HUD, Fiscal year 2027
8% less than in Washington
Typical rent
$1,555
a month, Census, Average 2020–2024
12% less than in Washington
Wage needed
$36.00
an hour, 2 bedrooms
Or $74,880 a year, to spend no more than 30% of income on rent.
Rent-burdened households
60%
spend 30% or more of income on rent
20% more than in Washington

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)

Only here

Renting in Whatcom County: what sets it apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Chelan County, the typical rent is $1,226: 21% less than in Whatcom County ($1,555).

  2. Whatcom County has the 3rd largest share of rent-burdened renters of the 37 counties in Washington with this figure (60%).

Sources: U.S. Census Bureau (Average 2020–2024).

Fair market rent

What HUD sets for each size

Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Whatcom County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.

The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)

According to Zillow (ZORI), the typical asking rent in Whatcom County was $1,951 a month in September 2026: 2.9% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data

Fair market rent and wage needed To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Fair market rent and wage needed. To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size Fair rent per month Hourly wage Income needed per year
Studio $1,489 $28.63 $59,560
1 bedroom $1,529 $29.40 $61,160
2 bedrooms $1,872 $36.00 $74,880
3 bedrooms $2,545 $48.94 $101,800
4 bedrooms $3,129 $60.17 $125,160

HUD area: Bellingham, WA MSA. Source: HUD, Fiscal year 2027

By ZIP code

The fair market rent for your ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 18 ZIP codes in Whatcom County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,620 in 98220 to $2,030 in 98276. 7 ZIP codes are above the county's fair market rent ($1,872).

Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Whatcom County, 60% of renter households are in that position; in Washington, 50%, and nationwide, 51% (Average 2020–2024, Census).

Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.

60%

of renter households spend 30% or more of their income on rent.

34,117 households rent in Whatcom County

  • Spend half or more of their income 30%
  • Spend 30% or more, but less than half 30%
  • Spend less than 30% 40%

Compared with the state and the country

  • Whatcom 60%
  • Washington 50%
  • United States 51%

Low-income apartments

Low-income apartments in Whatcom County

HUD lists 55 properties with homes for low-income households in Whatcom County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.

with tax credits (LIHTC)
45
HUD-assisted
7
public housing
3

3,606 homes in all; 3,428 of them low-income, according to HUD.

  • Lincoln Square Public housing 409 York St, Bellingham 98225 396 low-income homes · Run by Housing Authority City of Bellingham · Average payment: $381 a month · Average wait: 18 months · (360) 676-6887
  • Regency Park Tax credit (LIHTC) 2050 Fraser St, Bellingham 98229 228 homes, 225 low-income · 1 bd: 60 · 2 bd: 48 · 3 bd: 72 · 4 bd: 48 · In service since 2001 · For people with disabilities, families
  • Woodrose Apartments Tax credit (LIHTC) 3303 + 3353 Racine Street, Bellingham 98226 197 homes, 193 low-income · 1 bd: 107 · 2 bd: 90 · In service since 2002 · For older adults, people with disabilities
  • Cascade Meadows Tax credit (LIHTC) 455 Westerly Rd, Bellingham 98226 216 homes, 144 low-income · 1 bd: 48 · 2 bd: 132 · 3 bd: 36 · In service since 2015
  • Evergreen Ridge Apartments Tax credit (LIHTC) 3451 Woburn St, Bellingham 98226 145 homes, 143 low-income · 1 bd: 50 · 2 bd: 65 · 3 bd: 30 · In service since 1996 · For families
  • Northwest Corner Affordable Housing Tax credit (LIHTC) 767 F St, Blaine 98230 121 low-income homes · 1 bd: 30 · 2 bd: 60 · 3 bd: 31 · In service since 2014 · For older adults, people with disabilities, families
  • Texas Meadows Public housing 2620 King St, Bellingham 98225 108 low-income homes · Run by Housing Authority City of Bellingham · Average payment: $573 a month · Average wait: 38 months · (360) 676-6887
  • Meadows, the Tax credit (LIHTC) 355 Meadowbrook Ct, Bellingham 98226 101 low-income homes · 3 bd: 50 · 4 bd: 51 · In service since 2016 · For families
  • Varsity Village Tax credit (LIHTC) 2400 McKenzie Ave, Bellingham 98225 101 low-income homes · 1 bd: 28 · 2 bd: 57 · 3 bd: 16 · In service since 2012 · For people with disabilities, people experiencing homelessness
  • Pacific Rim Apartments Tax credit (LIHTC) 5845 Pacific Rim Way, Bellingham 98226 132 homes, 95 low-income · 1 bd: 10 · 2 bd: 99 · 3 bd: 23 · In service since 2015
  • Bakerview Redevelopment Tax credit (LIHTC) 4169 Cory Street, Bellingham 98226 94 low-income homes · Studio: 2 · 1 bd: 15 · 2 bd: 48 · 3 bd: 29 · In service since 2018 · For people with disabilities, families
  • Vintage at Bellingham Tax credit (LIHTC) 4625 Cordata Pkwy, Bellingham 98226 94 low-income homes · 1 bd: 47 · 2 bd: 47 · In service since 2017 · For older adults, people with disabilities
  • Mount Baker Apartments Tax credit (LIHTC) 308 W Champion St, Bellingham 98225 84 low-income homes · Studio: 37 · 1 bd: 47 · In service since 2017
  • Ale Housing, LP - RD Portfolio Tax credit (LIHTC) Multiple Cities + Counties, Multiple Cities 98264 85 homes, 82 low-income · 1 bd: 48 · 2 bd: 37 · In service since 2011 · For older adults, people with disabilities
  • Eleanor Apartments Tax credit (LIHTC) 1510 N Forest St, Bellingham 98225 80 low-income homes · 1 bd: 80 · In service since 2017 · For older adults, people with disabilities
  • Northbrook Place Tax credit (LIHTC) 3615 Bennett Dr, Bellingham 98225 90 homes, 77 low-income · Studio: 9 · 1 bd: 30 · 2 bd: 30 · 3 bd: 9 · In service since 1992 · For families
  • Varsity Village HUD-assisted 2440 McKenzie Ave, Bellingham 98225 101 homes, 68 low-income · For families · (360) 676-6887
  • The Birches-Baycrest Public housing 1111 Mary Ave, Blaine 98230 63 low-income homes · Run by HA Of Whatcom County · Average payment: $789 a month · Average wait: 61 months · (360) 676-6887
  • Beacon Manor Apartments Tax credit (LIHTC) 2308 Douglas Rd, Ferndale 98248 51 homes, 50 low-income · 2 bd: 17 · 3 bd: 21 · 4 bd: 13 · In service since 1998 · For people with disabilities, families
  • Laurel Village Tax credit (LIHTC) 202 E Laurel St, Bellingham 98225 51 homes, 50 low-income · 1 bd: 24 · 2 bd: 15 · 3 bd: 12 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Meadow Wood Townhomes Tax credit (LIHTC) 915 Mahogany Ave, Bellingham 98226 51 homes, 50 low-income · 2 bd: 30 · 3 bd: 21 · In service since 2007 · For people with disabilities, families, people experiencing homelessness
  • Sterling Meadows Apartments Tax credit (LIHTC) 500 Sterling Dr, Bellingham 98226 51 homes, 50 low-income · 2 bd: 21 · 3 bd: 20 · 4 bd: 10 · In service since 2002 · For people with disabilities, families
  • Walton Phase I Tax credit (LIHTC) 1511 N State St, Bellingham 98225 51 homes, 50 low-income · 1 bd: 24 · 2 bd: 15 · 3 bd: 12 · In service since 2009 · For people with disabilities, families, people experiencing homelessness
  • River House Apartments Tax credit (LIHTC) 100 Riverview Rd, Lynden 98264 50 low-income homes · 1 bd: 42 · 2 bd: 8 · In service since 1999 · For older adults, people with disabilities
  • Villa Santa Fe Tax credit (LIHTC) 760 W Bakerview Rd, Bellingham 98226 50 low-income homes · 2 bd: 10 · 3 bd: 40 · In service since 2016 · For families
  • Deer Run Terrace Tax credit (LIHTC) 3210 Orleans St, Bellingham 98226 42 low-income homes · 1 bd: 30 · 2 bd: 12 · In service since 1995 · For older adults, families
  • Francis Place Tax credit (LIHTC) 1122 Cornwall Ave, Bellingham 98225 42 low-income homes · Studio: 33 · 1 bd: 9 · In service since 2015 · For people experiencing homelessness
  • Walton Place Two Tax credit (LIHTC) 1505 N State St, Bellingham 98225 40 low-income homes · 1 bd: 18 · 2 bd: 14 · 3 bd: 8 · In service since 2011 · For people with disabilities
  • Kateri Court Tax credit (LIHTC) 110 E Chestnut St, Bellingham 98225 40 homes, 39 low-income · Studio: 23 · 1 bd: 16 · In service since 2006 · For people with disabilities, people experiencing homelessness
  • Birchwood Manor HUD-assisted 1308 Birchwood Ave, Bellingham 98225 38 low-income homes · For older adults · (360) 715-7345
  • Catherine May Apts HUD-assisted 202 N 34th St, Bellingham 98225 38 low-income homes · For older adults · (360) 676-6887
  • Ferndale Villa HUD-assisted 2348 Main St, Ferndale 98248 38 low-income homes · For families · (360) 384-3304
  • 22 North Tax credit (LIHTC) 1022 N State St, Bellingham 98225 40 homes, 36 low-income · Studio: 40 · In service since 2018 · For people experiencing homelessness
  • Sunset Court Apartments Tax credit (LIHTC) 1133 Railroad Ave, Bellingham 98225 36 low-income homes · Studio: 36 · In service since 1997
  • Washington Grocery Building Tax credit (LIHTC) 1133 Railroad Ave, Bellingham 98225 36 low-income homes · In service since 1997
  • Ferndale Square HUD-assisted 2254A Main St, Ferndale 98248 30 low-income homes · For families · (360) 384-4520
  • Meadow Wood Townhomes II Tax credit (LIHTC) 931 Mahogany Ave, Bellingham 98226 25 low-income homes · 1 bd: 9 · 2 bd: 8 · 3 bd: 8 · In service since 2008
  • Prince Court Apartments Tax credit (LIHTC) 214 Prince Ave, Bellingham 98226 25 low-income homes · 2 bd: 13 · 3 bd: 12 · In service since 1998 · For families
  • Boundary Village HUD-assisted 730 A St, Blaine 98230 24 low-income homes · For families · (360) 332-5646
  • Heather Commons Tax credit (LIHTC) 4169 Cory Street, Bellingham 98226 24 low-income homes · 1 bd: 6 · 2 bd: 10 · 3 bd: 8 · In service since 2000 · For people with disabilities, families
  • Lummi Homes I Tax credit (LIHTC) 2579 Kwina Rd, Bellingham 98226 24 low-income homes · 3 bd: 12 · 4 bd: 12 · In service since 2002 · For families
  • Nooksack Homes I Tax credit (LIHTC) 2582 Sulwhanon Dr, Everson 98247 24 low-income homes · 1 bd: 3 · 3 bd: 8 · 4 bd: 13 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Nooksack Homes II Tax credit (LIHTC) 5912 Edith Dr, Deming 98244 24 low-income homes · 2 bd: 5 · 3 bd: 16 · 4 bd: 3 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Nooksack Homes II Tax credit (LIHTC) 5912 Edith Dr, Deming 98244 24 low-income homes · 2 bd: 5 · 3 bd: 16 · 4 bd: 3 · In service since 2006 · For people with disabilities, families, people experiencing homelessness
  • Orleans Place Tax credit (LIHTC) 3220 Orleans St, Bellingham 98226 24 low-income homes · 2 bd: 12 · 3 bd: 12 · In service since 2014 · For people experiencing homelessness
  • Nooksack Homes III Tax credit (LIHTC) 4749 False Creek Ln, Deming 98244 22 low-income homes · 1 bd: 3 · 3 bd: 12 · 4 bd: 7 · In service since 2008 · For people with disabilities, families, people experiencing homelessness
  • Sterling Senior Housing HUD-assisted 528 Sterling Dr, Bellingham 98226 21 homes, 20 low-income · For older adults · (360) 715-2304
  • Creekside Meadows Tax credit (LIHTC) 1400 Boon St, Sumas 98295 20 low-income homes · 2 bd: 10 · 3 bd: 10 · In service since 1994 · For families
  • Laube Hotel Tax credit (LIHTC) 1226 N State St, Bellingham 98225 20 low-income homes · Studio: 16 · 1 bd: 4 · In service since 2008 · For people with disabilities, people experiencing homelessness
  • Oakland Apartments Tax credit (LIHTC) 401 W Champion St, Bellingham 98225 20 low-income homes · Studio: 16 · 1 bd: 4 · In service since 2002 · For people with disabilities
  • Harborview Apts (bellingham) Tax credit (LIHTC) 1501 G St, Bellingham 98225 18 low-income homes · 2 bd: 14 · 3 bd: 4 · In service since 1993 · For people with disabilities, families
  • Willow Creek Apartments Tax credit (LIHTC) 1410 Fraser Street, Bellingham 98226 16 low-income homes · Studio: 16 · In service since 1997 · For people with disabilities
  • Nooksack Homes IV Tax credit (LIHTC) 2572 George Court, Deming 98244 15 low-income homes · 3 bd: 12 · 4 bd: 3 · In service since 2007 · For people with disabilities, families, people experiencing homelessness
  • Heather Commons II Tax credit (LIHTC) 4141 Cory Street, Bellingham 98226 14 low-income homes · 1 bd: 5 · 2 bd: 5 · 3 bd: 4 · In service since 2001 · For people with disabilities, families, people experiencing homelessness
  • Seabreeze Townhouses Tax credit (LIHTC) 763 F St, Blaine 98230 11 low-income homes · 2 bd: 8 · 3 bd: 3 · In service since 1993 · For people with disabilities, families

Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.

Section 8

The Section 8 voucher in Whatcom County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Whatcom County. Here is what the rules say:

The rules, with their source

  1. You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD

  2. Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)

  3. Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)

  4. If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)

  5. When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508

  6. Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured
HUD income limits Yearly income of the whole family, before taxes.
HUD income limits by family size, Fiscal year 2026. Area: Bellingham, WA MSA.
People Extremely low (30%) Very low (50%) Low
1 person $25,050 $41,700 $66,750
2 people $28,600 $47,700 $76,300
3 people $32,200 $53,650 $85,850
4 people $35,750 $59,600 $95,350
5 people $38,680 $64,400 $103,000
6 people $44,360 $69,150 $110,650
7 people $50,040 $73,950 $118,250
8 people $55,720 $78,700 $125,850

Area median income: $123,300. HUD income limits by family size, Fiscal year 2026. Area: Bellingham, WA MSA. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

  • Studio $1,340 – $1,638
  • 1 bedroom $1,376 – $1,682
  • 2 bedrooms $1,685 – $2,059
  • 3 bedrooms $2,291 – $2,800
  • 4 bedrooms $2,816 – $3,442

The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.

Housing agencies that serve this place

Housing agencies in Washington Source: HUD, Retrieved November 6, 2026

Your rights as a tenant in Washington

What Washington law says about deposits, notices and eviction, with the citation for each rule.

See your rights, rule by rule

Compare these rules with other states →

A summary of state law, not legal advice. Cities may have additional rules.

When must they return my deposit?
30 days
RCW 59.18.280(1)(a)
If I fall behind on rent, what notice must I get?
14 days
RCW 59.12.030(3)
How much notice ends a month-to-month rental?
20 days
RCW 59.18.200(1)(a)
How much notice before a rent increase?
30 or 90 days, depending on the case
RCW 59.18.140(3)(a)-(b)
  • Only a court order can remove youRCW 59.18.290(1)
  • Protection from retaliationRCW 59.18.240
  • Repair and deduct from the rentRCW 59.18.100(2)

Help

Where to get help with rent in Whatcom County

This HUD-approved agency has an office in Whatcom County. They counsel for free or at low cost.

  • Kulshan Community Land Trust

    1715 C St, Bellingham

    • Pre-purchase counseling

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Whatcom County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.

Count power on top of the rent: in Washington, the average home bill was $114 a month in 2024 (EIA). See electricity and gas costs

Your move

We use the place's fair market rent and the state's deposit rule.

Adjust advanced details
Deposit and rent in advance
The deposit, in

Let's do the math

Cash to move in

$3,744

What you need before you get the keys.

What adds up

First month
$1,872
Security deposit
$1,872
Total
$3,744

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

When you'll have it

Enter what you can set aside each month to see how long it takes.

What helps

  • Ask for a receipt for every payment and keep a copy of the lease.
  • On move-in day, walk through the home and take dated photos.
  • Never send money for a home you haven't seen or a lease you haven't read.

This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Whatcom County?

According to HUD (Fiscal year 2027): Studio: $1,489; 1 bedroom: $1,529; 2 bedrooms: $1,872; 3 bedrooms: $2,545; 4 bedrooms: $3,129. It covers rent plus basic utilities, except the phone.

How much do you need to earn to rent in Whatcom County?

Paying the 2-bedroom fair market rent ($1,872) without spending more than 30% of income takes $36.00 an hour full time, or $74,880 a year.

Who qualifies for Section 8 in Whatcom County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $59,600 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.

How much does Section 8 pay in Whatcom County?

The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,685 and $2,059 a month. Your agency publishes its figure.

Does the fair market rent change by ZIP code in Whatcom County?

For 2 bedrooms they run from $1,620 in 98220 to $2,030 in 98276. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.

How many low-income apartments are there in Whatcom County?

HUD lists 55 properties with homes for low-income households in Whatcom County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.

How many households spend too much on rent in Whatcom County?

HUD counts rent as a burden when it reaches 30% of income or more. In Whatcom County, 60% of renter households are in that position; in Washington, 50%, and nationwide, 51% (Average 2020–2024, Census).