Put in a price, a down payment and a rate, and see what the monthly payment looks like before you tour a single house. For a sense of scale: the median listing price in the Bellingham metro was $645,000 in September 2026,1 and the average 30-year fixed mortgage rate was 7.40% in mid-October.2 With 20% down at that price and rate, principal and interest alone come to about $3,573 a month.
Mortgage Payment Calculator
Estimate your monthly payment, including taxes, insurance, HOA dues, and PMI.
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Estimates only. Talk to a lender for exact numbers.
That number isn't the whole payment. Most Bellingham buyers also pay property tax and homeowners insurance through the loan, and with less than 20% down on a conventional loan, private mortgage insurance (PMI) on top.3 Property tax runs on your home's assessed value: assessed value times the levy rate, divided by 1,000.4 Inside Bellingham city limits the full 2026 rate is about $8.30 per $1,000, counting every levy from the state, county, city, schools, port and more,5 so a $645,000 home pays about $446 a month. Outside the city the rate runs roughly $8.10 to $10.01 per $1,000, depending on the fire district.5
Frequently Asked Questions
What's included in the monthly payment?
Principal and interest, plus property tax and homeowners insurance if your lender collects them in escrow. If you put less than 20% down on a conventional loan, PMI is usually added as well.3
How much is property tax in Bellingham?
For 2026, the full rate inside Bellingham city limits (Bellingham School District) is about $8.30 per $1,000 of assessed value, or 0.83%.5 Areas outside the city run about $8.10 to $10.01 per $1,000, depending on the fire district.5 Look up your parcel's exact rate with the Whatcom County Assessor.
Is 7.40% the rate I'll get?
Probably not exactly. That's Freddie Mac's national weekly average for a 30-year fixed loan.2 Your rate depends on your credit, down payment, loan type and the lender, so get quotes from a few.
Sources (checked Oct 17, 2026)
- Realtor.com Residential Data, Bellingham WA metro, September 2026: median listing price $645,000; 1,004 active listings (+9.4% YoY).
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed 7.40% (week of Oct 15, 2026).
- Consumer Financial Protection Bureau, What is private mortgage insurance?
- Whatcom County Assessor Report 2026 (levy rates) and Calculating Property Tax (formula).
- Whatcom County Assessor, Annual Tax Book 2026, levy rates by code area: code area 0100 (Bellingham, School District 501) 8.2981988526 per $1,000; unincorporated code areas around Bellingham 8.10 to 10.01.