Can You Afford a Home in Lummi Island, WA?
A typical home in Lummi Island is worth $632,180, down 1.6% over the past year. That is $21K above the Whatcom County typical of $610,710.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Lummi Island costs $632,180. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Whatcom County
Prices below are what keeps housing at 33% of gross income, using Whatcom County’s 0.71% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $319,000 | $263,000 | $241,000 | $257,000 |
| $100,000 | $439,000 | $362,000 | $331,000 | $354,000 |
| $125,000 | $558,000 | $460,000 | $422,000 | $450,000 |
| $150,000 | $678,000 | $559,000 | $512,000 | $546,000 |
| $200,000 | $917,000 | $756,000 | $692,000 | $738,000 |
How Lummi Island compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Nooksack | $512,334 | +0.2% | $115,000 |
| Blaine | $537,736 | -0.1% | $121,000 |
| Ferndale | $613,332 | +0.8% | $136,000 |
| Lynden | $622,036 | +2.2% | $138,000 |
| Lummi Island (this page) | $632,180 | -1.6% | $140,000 |
| Bellingham | $661,763 | -0.3% | $147,000 |
| Custer | $666,956 | +0.2% | $148,000 |
If Lummi Island is out of reach, Nooksack, Blaine, Ferndale, Lynden sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Lummi Island sell for less than $632,180, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.