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2095 Postal Avenue, Bellingham, WA, 98226

2beds
1baths
693sqft
$199,900
$288price/sqft
$1,196/moest. monthly cost
$47,840/yrincome needed

About This Home

Stick built home that needs some love or scrape and build new. Bring your tools and your vision. This home needs a lot of work but is perfect for the right person. Investment property or entry level home ownership on a budget? This is for you. Ideal site for a manufactured home...Mature fruit trees, room for plenty of gardens and an unobstructed view of the Salish Sea is a few minutes' walk away. Has PSE power, well water, and a septic. Tribal members can get Lummi Water and Sewer for the additional lots.

Getting Around

3
WalkingCar-Dependent
0
TransitNo Nearby Transit
28
BikeSomewhat Bikeable

Schools

4/10
6/10
Horizon Middle SchoolGrades 6-810.0 mi
5/10
Ferndale High SchoolGrades 9-129.6 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1955

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: 1 Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater: electric

Bathroom Full

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Entry Hall

  • Level: Main

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 693
  • Total interior livable area: 693 sqft

Kitchen With Eating Space

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 3701112715250000
  • Zoning: RR5A
  • Zoning description: Jurisdiction: County
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Main
  • Patio & porch: Water Heater
  • Has view: Yes
  • View description: Bay,Mountain(s),Partial,Sea,Sound,Territorial
  • Has water view: Yes
  • Water view: Bay,Sea,Sound
  • Topography of land: Level
  • Residential vegetation: Fruit Trees,Garden Space

Lot

  • Lot size: 0.60 Acres

Parking

  • Total spaces: 10
  • Parking features: Driveway,Off Street
  • Uncovered spaces: 10

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Ice Storm
Coastal Flooding
Cold Wave
Earthquake
Winter Weather

FEMA Declared Disasters in Whatcom County and Washington

Fire
Flood
Mud Landslide
Severe Storm
Straight Line Winds
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,010$12,120
Home Insurance *$36$432
Property Taxes $1$12
Electricity $149$1,793
Total$1,196$14,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,005/yr
40% on housing$35,880/yr
45% on housing$31,893/yr

Washington FAIR Plan Programs

Washington FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 306Commercial: 55
Total Premiums$858,000
Total Exposure$176.33M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 3.0%
3.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 98226$318
Whatcom County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 98226$392
Whatcom County$335

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-13Listed for sale$179,900

For Sale by Agent

AgentRob C. Merhaut
BrokerageRE/MAX Whatcom County, Inc.

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