HomeWashingtonWhatcom CountyFerndale
Ferndale, Washington: commercial real estate data.
Ferndale is a Census city of 15,999 people across 7.20 square miles of land, in Whatcom County. Median household income is $87,579, 67.6 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $15.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ferndale
What Ferndale is
- Census place typecity
- Land area7.2 sq mi
- Water area0.11 sq mi
- Population per square mile of land2,222
- County holding the largest share of its areaWhatcom County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
How many people live in Ferndale
- Population15,999
- Median age35.1
- Population under 183,972
- Share under 1824.8 percent
- Population 65 and over2,516
- Share 65 and over15.7 percent
- Households5,844
- Family households4,095
- Share of households that are families70.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
Income and work in Ferndale
- Median household income$87,579
- Per capita income$41,409
- Civilian labor force8,042
- Employed7,791
- Unemployed251 plus or minus 138
- Unemployment rate3.1 percent plus or minus 1.7
- Adults 25 and over10,979
- Adults 25 and over with a high school diploma or higher93.2 percent
- Adults 25 and over with a bachelor degree or higher36.9 percent
- Adults 25 and over with a graduate degree13.1 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
Housing in Ferndale
- Housing units6,200
- Occupied units5,844
- Vacant units356 plus or minus 199
- Vacancy rate5.7 percent plus or minus 3.2
- Owner occupied3,951
- Renter occupied1,893 plus or minus 430
- Ownership rate67.6 percent
- Median owner-occupied home value$549,300
- Median gross rent, monthly$1,477
- Annual rent as a share of median income20.2 percent
- Single family units4,187
- Share single family67.5 percent
- Units in buildings of two or more1,591 plus or minus 444
- Share in buildings of two or more25.7 percent plus or minus 6.9
- Mobile homes411 plus or minus 149
- Median year structure built1998
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
How Ferndale gets to work
- Workers 16 and over who commute6,549
- Commuting under 15 minutes1,905 plus or minus 445
- Share commuting under 15 minutes29.1 percent plus or minus 6.1
- Commuting 30 minutes or more1,040 plus or minus 288
- Share commuting 30 minutes or more15.9 percent plus or minus 4.1
- Drove alone76.3 percent
- Carpooled4.7 percent plus or minus 2.0
- Public transport0.5 percent plus or minus 0.6
- Walked1.7 percent plus or minus 1.8
- Worked from home15.2 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ferndale
SBA loans in Ferndale (7(a))
- Approvals32
- Gross approval$15,548,200
- Average approval$485,881
- Median approval$125,000
- Ninetieth percentile approval$1,570,950
- Largest approval$2,600,300
- Jobs supported213
- Jobs per approval6.7
- Loans with a final outcome9
- Paid in full9
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more6.3 percent
- Share to franchises9.4 percent
- Distinct lenders14
- Distinct industries by NAICS22
Counted by borrower city: approvals to borrowers whose address is in Ferndale, in any county, FY2020 to FY2026. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ferndale
SBA loans in Ferndale (504)
- Approvals27
- Gross approval$24,252,000
- Average approval$898,222
- Median approval$632,000
- Largest approval$3,131,000
- Jobs supported264
- Loans with a final outcome6
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Ferndale, in any county, FY2010 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ferndale
Flood risk in Ferndale
- NFIP communityCity of Ferndale
- NFIP community number530201
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date01/18/19
The City of Ferndale participates in the National Flood Insurance Program as community 530201 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Whatcom County, not Ferndale
Whatcom County context, not Ferndale figures
- Establishments in Whatcom County7,146
- Covered employment, Whatcom County93,430
- Average annual pay, Whatcom County$65,174
- Housing units permitted, Whatcom County1,190
Every figure in this section is published for Whatcom County as a whole and is not a measurement of Ferndale.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Ferndale questions, answered from the record.
How many people live in Ferndale, Washington?
15,999, in 5,844 households. Ferndale city covers 7.20 square miles of land, which is 2,222 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ferndale in?
Whatcom County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Ferndale?
$87,579. The median owner-occupied home is valued at $549,300. Median gross rent is $1,477 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ferndale businesses?
32 7(a) approvals totaling $15.5 m since FY2020, across 14 lenders, median approval $125,000, plus 27 504 approvals worth $24.3 m since FY2010. These count approvals to borrowers whose address is in Ferndale, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ferndale borrowers get paid back?
No rate is published for Ferndale. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ferndale in the National Flood Insurance Program?
Yes. Ferndale appears in the FEMA Community Status Book as Ferndale, city of, community 530201, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ferndale figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Whatcom County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ferndale.
Is zoning published for Ferndale?
No. Nothing on this page presents parcel level zoning.