Metro FMR area · WA · HUD FY 2027

Bellingham, WA Fair Market Rent

HUD’s FY 2027 Fair Market Rent for a 2-bedroom in the Bellingham, WA area is $1,872 a month, 8% below the Washington average and 6% above the U.S. average of $1,761. ZIP-level Small Area FMRs for its 21 ZIP codes range from $1,620 to $2,030.

$1,8722-bedroom FMR+$78 (+4.3%) vs FY 2026
$1,5291-bedroom FMRU.S.: $1,478
$74,880Income for a 2-bedroomat 30% of income
230,503Residents1 county

Can you afford the Fair Market Rent here?

Uses the common 30%-of-gross-income guideline. Results update as you type and stay in your browser.

Household income ($ per year, before tax)

Default: the income a 2-bedroom here needs at 30%.

Unit size

Rent you can afford at 30% of income$1,872/month

2-bedroom Fair Market Rent and the income it needs
Area	Fair Market Rent	Income needed	Share of your income
Bellingham, WA FMR	$1,872	$74,880	–
Washington average	$2,044	$81,779	–
U.S. average	$1,761	$70,432	–

Bellingham, WA Fair Market Rents, FY 2027 vs FY 2026
Unit	Bellingham, WA FY 2027	FY 2026	Change	Washington avg	U.S. avg	Income needed
Studio	$1,489	$1,463	+$26 (+1.8%)	$1,600	$1,379	$59,560
1 bedroom	$1,529	$1,493	+$36 (+2.4%)	$1,701	$1,478	$61,160
2 bedrooms	$1,872	$1,794	+$78 (+4.3%)	$2,044	$1,761	$74,880
3 bedrooms	$2,545	$2,495	+$50 (+2.0%)	$2,728	$2,266	$101,800
4 bedrooms	$3,129	$3,010	+$119 (+4.0%)	$3,214	$2,607	$125,160

Counties in this FMR area

Counties in the Bellingham, WA FMR area
County	Residents in area
Whatcom County, WA	230,503

Small Area FMRs by ZIP code

Small Area FMRs apply to Housing Choice Vouchers where HUD requires them or the housing authority opts in; otherwise the metro FMR above applies. The median ZIP’s 2-bedroom SAFMR is $1,810.

Filter ZIP codes

FY 2027 Small Area Fair Market Rents, Bellingham, WA
ZIP	Studio	1BR	2BR	3BR	4BR	2BR vs FY 2026	2BR vs area FMR
98220	$1,320	$1,350	$1,620	$2,250	$2,710	+$40 (+2.5%)	13% below
98225	$1,530	$1,570	$1,920	$2,610	$3,210	+$100 (+5.5%)	3% above
98226	$1,470	$1,510	$1,850	$2,520	$3,090	+$90 (+5.1%)	1% below
98227	$1,490	$1,530	$1,870	$2,540	$3,130	+$80 (+4.5%)	about the same as
98228	$1,490	$1,530	$1,870	$2,540	$3,130	+$80 (+4.5%)	about the same as
98229	$1,560	$1,600	$1,960	$2,660	$3,270	+$70 (+3.7%)	5% above
98230	$1,430	$1,470	$1,800	$2,450	$3,010	+$90 (+5.3%)	4% below
98231	$1,490	$1,530	$1,870	$2,540	$3,130	+$80 (+4.5%)	about the same as
98237	$1,320	$1,350	$1,620	$2,250	$2,710	−$60 (−3.6%)	13% below
98240	$1,440	$1,480	$1,810	$2,470	$3,030	+$60 (+3.4%)	3% below
98244	$1,320	$1,350	$1,620	$2,250	$2,710	+$140 (+9.5%)	13% below
98247	$1,500	$1,540	$1,890	$2,570	$3,160	+$120 (+6.8%)	1% above
98248	$1,420	$1,460	$1,790	$2,430	$2,990	+$20 (+1.1%)	4% below
98262	$1,350	$1,480	$1,940	$2,690	$3,000	−$10 (−0.5%)	4% above
98264	$1,590	$1,630	$2,000	$2,720	$3,340	+$60 (+3.1%)	7% above
98266	$1,320	$1,350	$1,650	$2,250	$2,760	+$70 (+4.4%)	12% below
98276	$1,610	$1,660	$2,030	$2,760	$3,390	+$50 (+2.5%)	8% above
98281	$1,320	$1,350	$1,620	$2,250	$2,710	+$140 (+9.5%)	13% below
98283	$1,320	$1,350	$1,620	$2,250	$2,710	−$60 (−3.6%)	13% below
98284	$1,320	$1,350	$1,700	$2,350	$2,710	−$70 (−4.0%)	9% below
98295	$1,320	$1,350	$1,620	$2,250	$2,710	+$80 (+5.2%)	13% below

Sources

U.S. Department of Housing and Urban Development, HUD User Fair Market Rents: FY 2027 FMRs (file dated August 26, 2026) and FY 2026 FMRs (file dated April 21, 2026).
HUD User Small Area Fair Market Rents: FY 2027 SAFMRs (file dated August 31, 2026) and FY 2026 SAFMRs (file dated April 21, 2026).

Fair Market Rents are HUD’s estimate of gross rent (rent plus utilities) for a modest unit, set at the 40th percentile of recent-mover rents. FY 2027 is HUD’s fiscal year beginning October 1, 2026. Housing authorities set voucher payment standards from these figures; check yours.