HomeWashingtonWhatcom CountyFerndale city
Ferndale city, Washington: commercial real estate data.
Ferndale city 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.
76 sourced place values · tier FULL · 8 sections · 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$150,000
- Ninetieth percentile approval$1,580,500
- 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
A charge-off rate is not published here. only 9 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Whatcom County, not Ferndale
Whatcom County context, not Ferndale figures
These are Whatcom County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Ferndale measurements.
- Establishments in Whatcom County7,146
- Employment at those establishments, Whatcom County80,648
- Covered employment, Whatcom County93,430
- Average annual pay, Whatcom County$65,174
- Average weekly wage, Whatcom County$1,253
- Housing units permitted, Whatcom County1,190
- Of those, single family, Whatcom County773
- County product, 2024, Whatcom County$20,639,594,000
- County product change over the prior year, Whatcom County0.3 percent
- Average income of an arriving household, Whatcom County$91,268
Every figure in this section is published for Whatcom County as a whole and is not a measurement of Ferndale. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $15.5 m, across 14 lenders, median approval $150,000, plus 27 504 approvals worth $24.3 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Ferndale figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.