What is the cost of living in Ferndale, WA?
According to the most recent data on the cost of living, Ferndale has an overall cost of living index of 128, which is 1.3x higher than the national index of 100.
Compared to Washington, Ferndale has a cost of living index that's 1.1x higher than Washington's index of 120.
The standard of living in Ferndale ranks as #91 most affordable out of the 191 places we measured in Washington. By definition, that implies Ferndale ranks as the #100 most expensive place in the Evergreen State.
For more reading on life in Ferndale, check out:
Ferndale Cost Of Living Vs. Washington
Six factors go into calculating the cost of living index in Ferndale. Here is how it fares on each of the criteria:
The Services index in Ferndale is 105.
The Groceries index in Ferndale is 108.
The Health index in Ferndale is 158.
The Housing index in Ferndale is 117.
The Transportation index in Ferndale is 113.
The Utilities index in Ferndale is 117.
| Living Expense | Ferndale | Washington | National Average |
|---|---|---|---|
| Overall | 128 | 120 | 100 |
| Services | 105 | 108 | 100 |
| Groceries | 108 | 108 | 100 |
| Health | 158 | 137 | 100 |
| Housing | 117 | 111 | 100 |
| Transportation | 113 | 111 | 100 |
| Utilities | 117 | 110 | 100 |
Ferndale Cost Of Living Compared To Washington Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Washington, check out:
Protect your home budget Compare home warranties in Ferndale Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Ferndale, WA Housing Cost Breakdown
Housing swings affordability the most between places in Washington, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Ferndale is $616,286.
The Median Rent in Ferndale is $1,477.
The Median Income in Ferndale is $87,579.
The Home Value To Income in Ferndale is 7.0x.
The Rent To Monthly Income in Ferndale is 0.2x.
| Statistic | Ferndale | Washington | United States |
|---|---|---|---|
| Median Home Value | $616,286 | $601,016 | $332,700 |
| Median Rent | $1,477 | $1,760 | $1,413 |
| Median Income | $87,579 | $98,141 | $80,734 |
| Home Value To Income | 7.0x | 6.1x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.22x | 0.21x |
Ferndale, WA Costs By Category
Detailed Ferndale Services costs vs. Washington
| Item | Ferndale | Washington |
|---|---|---|
| Shampoo | $1.21 | $1.28 |
| Movie | $14.34 | $12.13 |
| Bowling | $22.57 | $18 |
| Haircut | $28.08 | $24.26 |
| Beauty Salon | $51.55 | $45.56 |
Detailed Ferndale Groceries costs vs. Washington
| Item | Ferndale | Washington |
|---|---|---|
| Ground Beef | $6.04 | $5.84 |
| Fried Chicken | $2.19 | $1.57 |
| Milk | $4.95 | $4.67 |
| Potatoes | $4.4 | $4.93 |
| Pizza | $14.85 | $12.09 |
| Beer | $11.4 | $10.41 |
| Toothpaste | $4.05 | $3.7 |
Detailed Ferndale Health costs vs. Washington
| Item | Ferndale | Washington |
|---|---|---|
| Optometrist | $219.25 | $125.68 |
| Doctor | $165.08 | $135.78 |
| Dentist | $120.58 | $113.29 |
Detailed Ferndale Transportation costs vs. Washington
| Item | Ferndale | Washington |
|---|---|---|
| Gasoline | $4.43 | $3.46 |
| Tire Balancing | $64.11 | $59.92 |
Detailed Ferndale Utilities costs vs. Washington
| Item | Ferndale | Washington |
|---|---|---|
| All Electricity | $163.64 | $193.99 |
| Phone | $200.8 | $192.25 |
Ferndale SnackAbility
Cost Of Living In Cities Around Ferndale
The cost of living varies in the cities and towns around Ferndale. Here's a quick look at the cost of living in the most populous nearby places:
Bellingham, WA has a cost of living index of 138, 1.1x Ferndale.
Mount Vernon, WA has a cost of living index of 119, 0.9x Ferndale.
Oak Harbor, WA has a cost of living index of 124, 1.0x Ferndale.
| City | Population | Cost Of Living | Vs. Ferndale |
|---|---|---|---|
| Bellingham, WA | 93,438 | 138 | 1.1x |
| Mount Vernon, WA | 35,377 | 119 | 0.9x |
| Oak Harbor, WA | 24,362 | 124 | 1.0x |
| Anacortes, WA | 17,966 | 138 | 1.1x |
| Lynden, WA | 16,234 | 133 | 1.0x |
| Sedro-Woolley, WA | 12,831 | 121 | 0.9x |
| Birch Bay, WA | 10,837 | 123 | 1.0x |
| Burlington, WA | 10,003 | 118 | 0.9x |
| Stanwood, WA | 8,373 | 131 | 1.0x |
| Blaine, WA | 6,100 | 126 | 1.0x |
