๐Ÿ’ฐ COL Index: 104 โ€” Near Avg Cost

Salaries in Bellingham, WA

What every job actually pays โ€” cost-of-living adjusted

Updated: February 2026 ยท 40 occupations ยท BLS + Census data

Avg. Salary
$70,314
across 40 roles
COL-Adjusted Avg
$67,545
real purchasing power
Top Paying Role
Marketing Manager
$159,558
1BR Rent
$1,306
median monthly

You might be surprised to learn that in Bellingham, a software developerโ€™s salary goes further than a marketing managerโ€™s. Itโ€™s a quirky truth in this small coastal city, where the tech boom hasnโ€™t quite erased the old-school economic rules.

Letโ€™s talk real purchasing power. With a cost of living index of 104.1, Bellingham is about 4% pricier than the national average. That $1,306 monthly rent for a one-bedroom apartment eats up a big chunk of the median household income of $54,867. The average salary across all roles is $70,314, but after adjusting for that local cost, its real value drops to $67,545. Itโ€™s not a bargain, but itโ€™s not the financial black hole of Seattle, either.

So, who actually thrives here? The cityโ€™s economy leans heavily on education, healthcare, and a surprising amount of tech for its size. Western Washington University is a massive employer, and the presence of companies like Faithlife and the Port of Bellingham anchors the professional and logistics sectors. The 40% of residents holding a bachelorโ€™s degree or higher is a testament to that educated workforce.

Hereโ€™s the honest catch: wages, especially for top earners, are strong, but theyโ€™re not keeping pace with the rapid cost increases of the last few years. That said, if youโ€™re in a high-demand field like software development or healthcare, Bellingham offers a compelling mix of career opportunity and a quality of life thatโ€™s hard to find in bigger, more expensive metros. The 4.2% unemployment rate shows the job market is stable, if not explosive.

The data below will lay out exactly which professions command the highest pay and how far your paycheck will actually stretch in this beautiful but increasingly pricey corner of the Pacific Northwest.

๐Ÿ† Top 5 Highest-Paying Jobs in Bellingham

Ranked by raw salary. See COL-adjusted figures in the full table below.

๐Ÿฅ‡ +1% vs national

Marketing Manager

$159,558
๐Ÿ’ก COL-Adjusted $153,274
โฑ Hourly $76.71/hr
๐Ÿ“ˆ Job Growth +8.0%
๐Ÿ‘ฅ Jobs Here 189
๐Ÿฅˆ +1% vs national

Pharmacist

$137,703
๐Ÿ’ก COL-Adjusted $132,280
โฑ Hourly $66.20/hr
๐Ÿ“ˆ Job Growth -3.0%
๐Ÿ‘ฅ Jobs Here 189
๐Ÿฅ‰ +1% vs national

Software Developer

$128,825
๐Ÿ’ก COL-Adjusted $123,751
โฑ Hourly $61.94/hr
๐Ÿ“ˆ Job Growth +17.0%
๐Ÿ‘ฅ Jobs Here 568
4๏ธโƒฃ +1% vs national

Construction Manager

$109,540
๐Ÿ’ก COL-Adjusted $105,226
โฑ Hourly $52.66/hr
๐Ÿ“ˆ Job Growth +8.0%
๐Ÿ‘ฅ Jobs Here 189
5๏ธโƒฃ +1% vs national

Project Manager

$102,525
๐Ÿ’ก COL-Adjusted $98,487
โฑ Hourly $49.29/hr
๐Ÿ“ˆ Job Growth +6.0%
๐Ÿ‘ฅ Jobs Here 189

๐Ÿ“‹ Complete Salary Guide โ€” All 40 Occupations in Bellingham

COL-Adjusted Salary = Raw salary divided by the cost of living index (104/100). Higher = more real purchasing power. This city's COL is above the US average.

# Occupation โ†• Raw Salary โ†•
1 Marketing Manager $159,558
2 Pharmacist $137,703
3 Software Developer $128,825
4 Construction Manager $109,540
5 Project Manager $102,525
6 Physical Therapist $100,936
7 Financial Analyst $100,227
8 Web Developer $93,890
9 Dental Hygienist $88,606
10 Accountant $87,138
11 Registered Nurse $87,128
12 Data Analyst $84,385
13 Police Officer $75,831
14 Human Resources Specialist $68,482
15 Elementary School Teacher $64,453
16 Plumber $64,129
17 Paralegal $63,521
18 Electrician $62,307
19 Real Estate Agent $62,236
20 Graphic Designer $62,094
21 Firefighter $57,822
22 Carpenter $57,620
23 HVAC Technician $56,354
24 Heavy Truck Driver $53,743
25 Chef/Head Cook $50,615
26 Dental Assistant $50,615
27 Licensed Practical Nurse (LPN) $50,615
28 Auto Mechanic $50,615
29 Social Worker $50,615
30 Veterinary Technician $50,615
31 Loan Officer $50,615
32 Insurance Agent $50,615
33 Nursing Assistant (CNA) $50,615
34 Cosmetologist $50,615
35 Personal Trainer $50,615
36 Pharmacy Technician $50,615
37 Nail Technician $50,615
38 Welder $50,199
39 Medical Assistant $38,740
40 Security Guard $36,584

Source: Bureau of Labor Statistics Occupational Employment Statistics. COL Index from C2ER/ACCRA.

๐Ÿ™๏ธ Living Costs in Bellingham

๐Ÿ 
1BR Rent
$1,306/mo
๐Ÿก
2BR Rent
$1,571/mo
๐Ÿ˜๏ธ
Median Home
$631,780
๐Ÿ“‰
Unemployment
4.2%
๐Ÿ’ณ
Median Income
$54,867
๐ŸŽ“
College Educated
40%
๐Ÿšถ
Walk Score
35/100
๐Ÿ“Š
Cost of Living
104
Near Avg Cost

๐Ÿงฎ Can You Afford to Live in Bellingham?

Use our Salary Reality Check to see if your specific income covers housing, taxes, and expenses in Bellingham. Enter your salary and see exactly how far your money goes.

โ“ Bellingham Salary FAQ

What is the average salary in Bellingham, WA?

โ–ผ
The average salary across 40 occupations in Bellingham is $70,314 as of 2026. This figure is 4.1% above the national average due to a COL index of 104.1. Insight: While above average, it is 22% higher than the local median household income of $54,867, indicating a significant earnings gap.

What jobs pay the most in Bellingham?

โ–ผ
The highest paying role in Bellingham is Marketing Manager at $159,558 annually. This is 127% higher than the city's average salary of $70,314. Insight: Such top-tier salaries are necessary to offset the 4.1% higher cost of living relative to the national average.

Is Bellingham affordable on a Marketing Manager salary?

โ–ผ
Yes, a Marketing Manager salary of $159,558 is highly affordable in Bellingham. After paying $1,306 monthly for a 1BR apartment, housing costs consume only 9.8% of gross income. Insight: This leaves substantial disposable income, as the salary is nearly triple the local median household income.

How does Bellingham's cost of living affect my paycheck?

โ–ผ
Bellingham's cost of living index of 104.1 means your paycheck has 4.1% less purchasing power than the national average. For example, the $1,306 monthly 1BR rent requires an annual salary of about $52,240 to stay within the recommended 30% housing budget. Insight: To maintain the same standard of living as a $70,314 national average salary, you would need $73,197 in Bellingham.

What salary do you need to live comfortably in Bellingham?

โ–ผ
To live comfortably in Bellingham, a salary of approximately $73,197 is needed to match the national average lifestyle after accounting for the 104.1 COL index. This covers a 1BR rent of $1,306 (21.4% of income) while allowing for savings and other expenses. Insight: This target is 33% higher than the local median household income of $54,867, highlighting the affordability challenge for many residents.

๐Ÿ“ Editor's Verdict: Is Bellingham Worth It?

Hereโ€™s my honest take: Bellingham isnโ€™t a gold rush, itโ€™s a lifestyle tax. At a 104.1 cost-of-living index, youโ€™re paying more to live here than the average salary ($70,314) can comfortably justify. The math gets interesting, though, if you land one of the top rolesโ€”Marketing Manager at nearly $160K, or $153K adjusted. Those jobs make the premium worth it.

Who wins here? Tech workers with remote salaries, healthcare pros, and skilled trades who can tap into regional demand. If youโ€™re in a generic office role, youโ€™ll feel squeezed by that $1,306 rent. My advice: lock in the job before you move. This townโ€™s charm is real, but it wonโ€™t pay your bills.

Explore Bellingham Further