Cost of Living in Bellingham, WA
Updated November 2026 · Whatcom County · Bellingham, WA metro area · population 93,438
Prices in Bellingham are 4.2% above the US average (local index 104.2; the BEA index for the Bellingham, WA metro area is 103.3), with local housing the biggest cost driver at 114.7; a single adult's modelled budget is about $2,975 a month and the median rent is $1,577.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects Bellingham's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for the Bellingham, WA metro area, unchanged.
Bellingham price index by category, US average = 100: All items 104.2, Housing (rents) 114.7, Goods 105.0, Utilities 99.9, Other services 99.5
It is the 22nd most expensive of the 32 Washington cities in our data. More expensive than 58% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 104.1 | 103.5 | 104.6 | 106.0 | 104.0 | 103.3 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for Bellingham, WA
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,224 | $14,688 | 41% |
| Utilities | $249 | $2,988 | 8% |
| Food at home | $296 | $3,552 | 10% |
| Transportation | $683 | $8,196 | 23% |
| Health care | $350 | $4,200 | 12% |
| Clothing, personal care & supplies | $173 | $2,076 | 6% |
| Total | $2,975 | $35,700 | 100% |
2 adults · 2-bedroom · modelled estimate for Bellingham, WA
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,540 | $18,480 | 32% |
| Utilities | $397 | $4,764 | 8% |
| Food at home | $547 | $6,564 | 11% |
| Transportation | $1,349 | $16,188 | 28% |
| Health care | $648 | $7,776 | 13% |
| Clothing, personal care & supplies | $341 | $4,092 | 7% |
| Total | $4,822 | $57,864 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for Bellingham, WA
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,942 | $23,304 | 32% |
| Utilities | $483 | $5,796 | 8% |
| Food at home | $780 | $9,360 | 13% |
| Transportation | $1,800 | $21,600 | 30% |
| Health care | $604 | $7,248 | 10% |
| Clothing, personal care & supplies | $440 | $5,280 | 7% |
| Total | $6,049 | $72,588 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in Bellingham
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $1,206 |
| 1 bedroom | $1,339 |
| 2 bedrooms | $1,685 |
| 3 bedrooms | $2,125 |
| 4 bedrooms | $1,964 |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $1,577 |
| Median contract rent (excl. utilities) | $1,441 |
| Median home value | $627,500 |
| Owner costs with a mortgage | $2,331/mo |
| Median household income | $66,755 |
| Rent as % of renter income Very expensive | 37.2% |
| Home value ÷ household income Very expensive | 9.4× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in Washington
14.63¢ per kWh, August 2026
12-month change: +7.2% (from 13.65¢) · US 18.16¢
Average household uses 928 kWh a month in Washington ≈ $132/month. Source: EIA-861M (statewide average).
Regular gasoline
$5.09 per gallon, week of 2026-11-02
12-month change: +22.1% (from $4.17) · US $4.15
EIA weekly retail price survey.
Inflation in the West
Consumer prices in the West Census region rose +3.4% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in Bellingham are 4.2% above the US average, $60,000 here has the buying power of about $57,600 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 104.2. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| Port Townsend, WA | 46 mi | 103.2 | $2,967 | $1,578 |
| Marysville, WA | 49 mi | 113.0 | $3,033 | $1,997 |
| Everett, WA | 56 mi | 109.6 | $3,247 | $1,740 |
| Bothell, WA | 69 mi | 117.7 | $3,758 | $2,346 |
| Shoreline, WA | 69 mi | 112.8 | $3,287 | $1,985 |
| Kirkland, WA | 74 mi | 118.4 | $3,837 | $2,401 |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Yucaipa, CA | 104.2 | $3,171 | $1,711 |
| Farmington Hills, MI | 104.2 | $2,857 | $1,551 |
| Ann Arbor, MI | 104.3 | $2,992 | $1,649 |
| North Richland Hills, TX | 104.3 | $2,873 | $1,704 |
| New Haven, CT | 104.1 | $2,916 | $1,488 |
| Sandy, UT | 104.3 | $3,040 | $1,777 |
Compare Bellingham with another city
Frequently asked questions
Is Bellingham, WA an expensive place to live?
Bellingham has a local cost of living index of 104.2, which is 4.2% above the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for the Bellingham, WA metro area (103.3) and adjusts housing to Bellingham's own rents. It is 2.8 points below the Washington average. It is the 22nd most expensive of the 32 Washington cities in our data. More expensive than 58% of the cities we cover.
How much money do you need to live in Bellingham?
Our modelled estimate of basic monthly costs is $2,975 for a single adult, $4,822 for a couple and $6,049 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $62,500 in Bellingham.
What is the average rent in Bellingham?
The median gross rent (rent plus tenant-paid utilities) is $1,577 a month (Census ACS 2020-2024). By size: 1 bedroom $1,339, 2 bedrooms $1,685, 3 bedrooms $2,125. The typical renter spends 37.2% of household income on rent (very expensive).
How much does a house cost in Bellingham?
The median owner-estimated home value is $627,500, 9.4 times the median household income of $66,755 (very expensive). Owners with a mortgage pay a median $2,331 a month in housing costs.
How much is electricity and gas in Bellingham?
Washington residential electricity averaged 14.63¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $5.09 a gallon (Washington average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for the Bellingham, WA metropolitan statistical area (BEA index 103.3) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 5305280 (Bellingham city).
- Electricity: EIA-861M, Washington residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, Washington, week of 2026-11-02.
- Inflation: BLS CPI-U West region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources