Your Property Details
Bellingham, Whatcom County median: $595,000
Bellingham, Whatcom County Market Snapshot
- Conforming Limit
- $806,500
- 5-Year Appreciation
- 52.0%
- Avg Property Tax Rate
- 0.95%
- Est. Annual Tax
- $5,653
Your Equity Position
Current Equity
$238,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$476,000
Cash Available
$119,000
Max New Loan
$505,750
Cash Available
$148,750
Max New Loan
$535,500
Cash Available
$178,500
5-Year Projection for Bellingham, Whatcom County
Based on 52.0% historical appreciation in Bellingham, Whatcom County, Washington:
Projected Value (5yr)
$904,400
Projected Equity Gain
$309,400
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Bellingham, Whatcom County is $806,500 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Bellingham, Washington?
Bellingham is in Whatcom County, which has a 2026 FHFA conforming loan limit of $806,500. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Bellingham?
With Bellingham's median home value of $595,000, a homeowner with 40% equity could access approximately $119,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Bellingham, Whatcom County?
The average effective property tax rate in Bellingham is 0.95%. On a home valued at $595,000, that's approximately $5,653 per year. Property taxes are factored into your total PITI payment.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.