98248Ferndale, Washington

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 98248.

58out of 100
Area Score
Bottom 43% of 5,298 published profiles

How we calculate this

How this area ranks
OpportunityTop 35% of 6,210 published ZIP areas62
Growth3305th of 5,428 published ZIP areas44
Housing affordability4664th of 6,685 published ZIP areas66
ClimateTop 37% of 6,789 published ZIP areas73
Physical resilience3814th of 6,709 published ZIP areas50
Access6676th of 6,791 published ZIP areas41
Economic stability3843rd of 6,742 published ZIP areas56
The quick read

Unemployment is 4.1% and median household income $91,060, putting employment conditions in the middle range of published ZIP profiles.

Residential permitting has slowed: 42 units authorized over the past twelve months, 73% below the prior year.

The nearest major airport is 93 miles away, which is farther than most measured US ZIP areas.

At a glance

Population
28,498
2024 ACS 5-Year
Median household income
$91,060
Top 26% nationally
Density
397/sq mi
71.8 sq mi of land
Median age
37.7
2024 ACS 5-Year
City
Ferndale
Washington
Metro area
Bellingham, WA
Nearest major airport
BFI
93 mi · Boeing Fld/King County Intl
Median home value
$589,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.1% is lower than 65% of the 6,544 measured US ZIP areas.

Employment fell 0.4% over the past year, to 109,739 employed residents.

34% of adults hold a four-year degree, higher than 72% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$4,862$91,060Top 26%2024 ACS 5-Year
Per capita income ±$4,470$46,916Top 24%2024 ACS 5-Year
Poverty rate10.3%Bottom 49%2024 ACS 5-Year
Average commute23.5 minBottom 27%2024 ACS 5-Year
Bachelor's degree or higher33.8%Top 28%2024 ACS 5-Year
Employment109,739Top 33%June 2026
Employment change (3 years)-1.0%Bottom 32%June 2026
Employment change (year over year)-0.4%Top 38%June 2026
Labor force114,378Top 33%June 2026
Labor force participation61.2%Top 48%2024 ACS 5-Year
Mean annual wage$71,310Top 35%2025 OEWS
Median annual wage$57,820Top 22%2025 OEWS
Unemployment change (year over year)0.5%Top 32%June 2026
Unemployment rate4.1%Bottom 35%June 2026
Median household income, successive ACS releases
202120222023202491k81k
Each point is a separate five-year estimate, most recently $91,060 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Bellingham, WA
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers2,830$37,030
Retail Salespersons2,830$37,840
Home Health and Personal Care Aides2,350$44,080
Cashiers2,190$37,250
Registered Nurses1,850
Janitors and Cleaners, Except Maids and Housekeeping Cleaners1,510$43,560

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Ferndale, WA, the city containing this ZIP code.

There are 17.5 students for every full-time teacher, more than in most measured places.

Public schools
11
2024-25 school year
Students per teacher
17.5
across all schools here
Math proficiency
Reading proficiency
SchoolDistrictStudentsPer teacherMathReading
Ferndale High SchoolFerndale School District1,32519.2
Vista Middle SchoolFerndale School District55017.2
Skyline Elementary SchoolFerndale School District49618.4
Eagleridge ElementaryFerndale School District45717.6
Cascadia ElementaryFerndale School District44015.7
Horizon Middle SchoolFerndale School District43317.3
Central ElementaryFerndale School District31517.5
Ferndale Virtual AcademyFerndale School District154
Mountain View ElementaryFerndale School District10110.1
Ferndale Re-EngagementFerndale School District33
Ferndale Special ServicesFerndale School District20

54.4% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Washington’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,469 takes 19% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 6.5 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
19.4%
Below the 30% cost-burdened threshold
Home price to income
6.5×
median home value ÷ median income
Median gross rent
$1,469
2024 ACS 5-Year
Median home value
$589,600
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income6.47Top 8%2024 ACS 5-Year
Homeownership rate76.7%Bottom 45%2024 ACS 5-Year
Housing units ±56110,799Top 15%2024 ACS 5-Year
Median gross rent ±$142$1,469Top 23%2024 ACS 5-Year
Median home value ±$22,974$589,600Top 9%2024 ACS 5-Year
Rent as a share of income19.4%Top 39%2024 ACS 5-Year
Vacancy rate6.6%Bottom 31%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
44/ 100
Ranks 3305 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

At 2.6 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
42
12 months ending July 2026
Per 1,000 residents
2.6
Bottom 48% nationally
Year over year
−73%
vs the prior twelve months
Multifamily share
35.7%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Ferndale, WA, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 73°F and January a low of 34°F.

Normal annual precipitation is 34.7 inches.

Air quality measures a median index of 33, in the Good band, and no day in the year passed 100.

20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station BELLINGHAM INTL AP, 6.3 miles from this location.
Precipitation
JFMAMJJASOND5.2"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index47.02024 calendar year
Annual precipitation34.7"1991-2020 Normals
Average January low34°F1991-2020 Normals
Average July high73°F1991-2020 Normals
Comfortable months51991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index33.02024 calendar year
Seasonal temperature swing24°F1991-2020 Normals
Air quality
Median air quality index
33
Good on a typical day
Worst tenth of days
47
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

50 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, avalanche and heat wave.

AvalancheModerate
EarthquakeHigh
Volcanic activityModerate
Heat waveModerate

Low or minimal exposure: landslide, ice storm, inland flooding, cold wave, winter weather, coastal flooding, lightning, wildfire, tsunami, drought, tornado, strong wind, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Whatcom County records 2.3 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 9.1 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 34.9 per 100,000 residents in Whatcom County.

Homicide
2.3
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.1
per 100,000 residents · under 10 deaths
Drug overdose
34.9
per 100,000 residents · under 10 deaths
Suicide
13.8
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Whatcom County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 98248 rather than 98248 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

2 major airports lie within 100 miles, the nearest 93 miles away.

AirportCodeDistanceLongest runway
Boeing Fld/King County IntlBFI93 mi10,007 ft
Seattle-Tacoma IntlSEA99 mi11,901 ft
Grant County IntlMWH191 mi13,503 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
58
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

98248 vs Ferndale

How this ZIP area compares with Ferndale as a whole. Both figures come from the same ACS release, so the comparison is like for like.

98248
Ferndale
Median household income
$91,060
vs
$87,579
Per capita income
$46,916
vs
$41,409
Population density
397/sq mi
vs
2,222/sq mi
Median home value
$589,600
vs
$549,300
Median gross rent
$1,469
vs
$1,477
Homeownership rate
76.7%
vs
67.6%
Bachelor's degree or higher
33.8%
vs
36.9%
Poverty rate
10.3%
vs
12.8%
Median age
37.7
vs
35.1

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.