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Bellingham, Washington eviction risk overview
Ranked #968 of 1,861 nationally

Bellingham, WA Eviction Risk: MODERATE

Whatcom County · Population 93,438

In 2026
Risk score
5.4
MODERATE

89th percentile, Washington.

50-yr Eviction Risk Score history

1976 — 2026 · climbing fast since 2010

Min1.5 Average3.8 Now5.4
10 5 1976 · score 1.5 1977 · score 1.6 1978 · score 1.7 1979 · score 1.8 1980 · score 2.0 1981 · score 2.1 1982 · score 2.1 1983 · score 2.1 1984 · score 2.1 1985 · score 2.1 1986 · score 2.1 1987 · score 2.2 1988 · score 2.5 1989 · score 2.5 1990 · score 2.6 1991 · score 2.6 1992 · score 3.0 1993 · score 3.0 1994 · score 3.1 1995 · score 3.1 1996 · score 3.2 1997 · score 3.3 1998 · score 3.4 1999 · score 3.5 2000 · score 3.1 2001 · score 3.3 2002 · score 3.4 2003 · score 3.4 2004 · score 3.6 2005 · score 3.7 2006 · score 3.8 2007 · score 3.9 2008 · score 4.4 2009 · score 4.5 2010 · score 4.7 2011 · score 4.8 2012 · score 4.7 2013 · score 4.8 2014 · score 5.0 2015 · score 5.1 2016 · score 5.4 2017 · score 5.6 2018 · score 5.9 2019 · score 6.2 2020 · score 7.0 2021 · score 7.1 2022 · score 7.1 2023 · score 7.3 2024 · score 7.4 2025 · score 5.4 2026 · score 5.4

Key metrics

Time machine

Scrub 50 years

2026
● LIVE · today ◀ REPLAY · historical

Nine-axis profile

9-axis profile · today

Shape of the risk surface

1 landlord · 10 tenant
Local 6.0 Regional 6.0 State 6.0 Economic 7.3 Supply 8.9 Rent Control 8.7 Eviction 6.0 Tenant 9.4 Housing 8.1 5.4 MODERATE
Sub-scores · with sparkline

Where the score comes from

1 → 10 scale
  1. Local political climate
    Dem margin +24.9% (2024)
    6.0
  2. Regional political climate
    County-weighted neighbor mix
    6.0
  3. State political climate
    Washington legislature & governorship
    6.0
  4. Economic stress
    18.3% poverty · 5.6% unemp.
    7.3
  5. Supply constraint
    $1,577 average · 55.4% renters
    8.9
  6. Rent Control risk
    37.2% of income on rent
    8.7
  7. Eviction process difficulty
    164 days filing → judgment
    6.0
  8. Tenant organizing strength
    55.4% renters
    9.4
  9. Housing court bias
    County bench composition
    8.1
Geographic context

Risk heat across Bellingham and the region

Click any city to see its score

How Bellingham compares

Risk score vs. peers, county, state, and the U.S.
Rank in Whatcom County
Very High
#1 of 19 cities
Rank in county — 100th percentileBottomTop
#1 of 19 cities in Whatcom County for landlord eviction risk.
Rank in Washington
High
#89 of 637 cities
Rank in state — 86th percentileBottomTop
#89 of 637 cities in Washington for landlord eviction risk.
vs. county · state · U.S.
Bellingham risk score vs. county / state / U.S.Bellingham: 5.45.4BellinghamThis cityCounty: 5.25.2Countyavg in countyState: 5.75.7Stateavg in stateU.S.: 5.35.3U.S.national avg
Score story

Six-stop tour of the risk profile

  1. 5.4
    / 10 · MODERATE
    The verdict

    A Moderate-tier market.

    Composite 5.4/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a sharp climb.

    50-yr trend+3.9 over 50 yr
    197620012026

    Steepening since 2010 · COVID inflection visible

  2. 164d
    Typical timeline
    The money

    What renting (and evicting) looks like.

    Rent published at $1,577/mo. A contested eviction takes 164 days and costs $8,230–$21,452 per case.

    50-yr trendCalendar drag rising since '15
    197620012026

    Court-clerk data lands in the next release.

  3. 55.4%
    Renters
    The renters

    Who you'll be renting to.

    Out of 93,438 residents, 55.4% rent. 37% are spending 30%+ income on rent, 18.3% below the poverty line.

    50-yr trendRenter share rising
    197620012026

    ACS 1970-present · once the migration overlay is in.

  4. 6.0
    Local + regional
    The politics

    Mid-range climate. Not a coastal market.

    Local & regional political climate score 6.0 and 6.0 (Dem margin +24.9% (2024)). State climate at 6.0 — mid-range statehouse.

    50-yr trendTracks county vote margin
    197620012026

    Built on 50-yr presidential margins back to 1976.

  5. 6.0
    State politics
    The process

    Moderate calendar, moderate friction.

    State political climate 6.0/10 sets the legislative ceiling for landlord remedies — and shows up in process. Eviction process difficulty reads 6.0, housing court bias 8.1, rent-control risk 8.7. Standard process speed for the state.

    50-yr trendProcess difficulty +1.0 since '00
    197620012026

    Court-clerk data lands in the next release.

  6. 7.3
    Economic stress
    The stress

    Economic pressure is the background risk.

    Economic stress: 7.3. Supply constraint: 8.9. The numbers behind those: 18.3% poverty, 5.6% unemployment, 37% of income on rent.

    50-yr trendTwo visible dips · '08 + COVID
    197620012026

    Mirrors BLS unemployment series.

US eviction landscape · timeline × all-in cost

Bellingham sits in the slow & expensive quadrant

Bubble size = population · color = risk score
QUICK BUT COSTLY fast docket · high all-in loss SLOW & EXPENSIVE long calendar · high all-in loss QUICK & CHEAP fast docket · low all-in loss SLOW BUT CHEAP long calendar · low all-in loss 30d 50d 75d 100d 150d 200d 300d 450d $2.0k $3.0k $5.0k $7.5k $10k $15k $20k $30k EVICTION TIMELINE (DAYS) → ↑ ALL-IN COST (LOG SCALE) Marysville, WA · 170d · ~$12.9k all-in ($76/day) · score 5.3 Marysville Seattle, WA · 162d · ~$12.7k all-in ($79/day) · score 8.2 Seattle Spokane, WA · 160d · ~$12.5k all-in ($78/day) · score 5.7 Spokane Tacoma, WA · 161d · ~$13.7k all-in ($85/day) · score 7.4 Tacoma Vancouver, WA · 160d · ~$15.3k all-in ($95/day) · score 6.5 Vancouver Bellevue, WA · 172d · ~$15.2k all-in ($88/day) · score 6.8 Bellevue Kent, WA · 173d · ~$15.3k all-in ($89/day) · score 5.9 Kent Everett, WA · 146d · ~$14.1k all-in ($96/day) · score 5.7 Everett Spokane Valley, WA · 174d · ~$14.2k all-in ($82/day) · score 5.4 Spokane Valley Renton, WA · 170d · ~$14.7k all-in ($86/day) · score 5.6 Renton Houston, TX · 24d · ~$2.5k all-in ($103/day) · score 3.4 Houston Phoenix, AZ · 38d · ~$3.3k all-in ($86/day) · score 3.7 Phoenix Memphis, TN · 31d · ~$2.0k all-in ($66/day) · score 4.2 Memphis Atlanta, GA · 40d · ~$2.8k all-in ($69/day) · score 4.9 Atlanta Boston, MA · 187d · ~$20.3k all-in ($109/day) · score 8.1 Boston Chicago, IL · 109d · ~$9.0k all-in ($82/day) · score 6.8 Chicago New York, NY · 417d · ~$29.5k all-in ($71/day) · score 7.8 New York Bellingham
Bellingham · 164d · ~$14.8k all-in ($90/day) · score 5.4 National average: 58d · $4.6k all-in Hover any bubble for stats · click to open Color: 0–4   4–7   7–10
00Overview

About eviction risk in Bellingham, WA

Landlording in Bellingham, Washington, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 5.4/10 (MODERATE tier), drawn from the nine sub-axes shown above — covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.

Bellingham is a city of 93,438 residents where 55.4% of occupied units are renter-occupied, and the typical renter spends 37.2% of income on rent. At an average rent of $1,577/month, the typical renter household here spends more than the federal 30% threshold on housing — a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.

01Process

How Bellingham eviction process actually works

Eviction process difficulty here reads 6.0/10 — a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in Bellingham closes 164 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.

The slow part of Bellingham's timeline is usually the calendar, not the motion practice. Housing court bias scores 8.1/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.

02Cost

What it costs (and how long it takes)

An all-in eviction in Bellingham runs $8,230 to $21,452 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice — common when housing court bias is high. The lower bound assumes a default judgment after proper service.

For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1–2 months' rent is typically the economically rational choice. With 164 days of typical timeline and $1,577/month in lost rent, that crossover happens fast here.

03Operations

Security deposits, screening, and lease terms

Tenant organizing strength scores 9.4/10 in Bellingham, and the city sits at the top of the rent control risk spectrum (8.7/10). Operations practice that survives audit in this environment looks like:

  • Screening discipline. Document income (verified at 2.5–3x rent), credit (with a clear minimum), and prior-tenancy reference checks — but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
  • Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
  • Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In Washington, deposit cap and refund window are statute — exceed at your own risk.
  • Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy

What an everyday landlord should actually do here

If you own one to four units in Bellingham: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a MODERATE tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one — retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.

The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match Washington's statutory language. Fix those four, and most cases settle or default. Skip them, and a $21,452 all-in fight is the realistic worst case.

04bPractical traps

Local traps to avoid in Bellingham

Trap · 8.1/10
For landlords, the 5.4/10 score is most actionable when combined with Island County's specific court behavior. Housing-court bias sub-score: 8.1/10. Use proactive screening and documented notices.
05FAQ

Frequently asked questions

Q1

Can I evict a tenant in Bellingham if their lease expires?

No, not without a just cause. Washington state law requires a "just cause" to terminate a tenancy, even if a lease term has ended. You can't simply choose not to renew. Reasons typically include non-payment, lease violations, or specific landlord-related reasons like selling the property or moving a family member in, all subject to strict rules.
Q2

What if my tenant pays part of the rent after I give them a 14-day notice?

Be very careful here. Accepting a partial payment *can* waive your 14-day notice, meaning you'd have to start the process over. If you accept a partial payment, get a written agreement signed by both parties stating that the partial payment does not waive the notice and that the tenant still owes the remaining balance by a specific date, or the eviction process will continue. Consult your attorney.
Q3

How much can I raise the rent in Bellingham?

There is no statewide rent control in Washington, and Bellingham does not have its own rent control ordinances at this time. However, the high rent-control-risk score (8.7/10) means this could change. Always check local and state laws before implementing significant rent increases. Be aware that excessive increases can be a point of contention and lead to tenant organizing. More on Washington rent control rules.
Q4

Do I have to accept Section 8 or other housing vouchers in Bellingham?

Yes, Washington state has source-of-income protection. This means you cannot refuse to rent to a tenant solely because they use a housing voucher (like Section 8) to pay their rent. You must treat them the same as any other applicant regarding your screening criteria.
Q5

What’s the biggest mistake landlords make in Bellingham?

The biggest mistake is trying to handle an eviction without legal counsel or not understanding the just-cause requirement. The eviction process here is long, complex, and heavily favors tenants. Mistakes in notice, filing, or even communication can add months and thousands to your costs. Get a lawyer involved early.
06Score

What this score means for landlords2

A 5.4/10 places Bellingham in the 89th percentile of Washington cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1–10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has risen sharply since 1976 — a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.