Ferndale, CA—95536
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Ferndale, CA
As of Oct '25, the median home price in Ferndale, CA is $503,000, with a year-over-year change of -8.1%. This indicates that home prices in Ferndale, CA are decreasing. According to Zillow, the 1-year price projection is -3.2%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $503,000 | -8.1% |
| Single Family | $503,000 | -7.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $458,000 | -6.1% |
3 Bed | $530,000 | -1.9% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Ferndale, CA
As of July '25, Rentcast reports the average rent in Ferndale, CA is $1,820, with a year-over-year rent change of 17.4%. Per bedroom, the median rent as of July '25 in Ferndale, CA is 2-bedrooms: $1,580, 4-bedrooms: $2,300. The most common rental property sizes in Ferndale, CA are 3-bedroom and 2-bedroom, accounting for 36.2% and 33.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,750 | $1,820 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,400 | $1,580 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | $2,300 | $2,300 |
% of Rental Stock
Property Listings — Ferndale, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Ferndale, CA is 72. This is a increase of 13.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $735,000 | -7.0% |
Listing Count | 12 | 29.0% |
| Listings as % of Homes | 0.6% | 29.0% |
Days on Market | 72 | 13.0% |
Demographics — Ferndale, CA
As of the latest ACS Survey released in 2023, Ferndale, CA has a population of 3,360, which has increased by 15.9% over the past 5 years. Ferndale, CA is a moderately popular place for families, as children make up 19.6% of the population. The area has a poorly educated workforce, with 24.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,360 | 15.9% |
% Under 18 | 19.6% | -10.9% |
% Seniors | 29.0% | 30.6% |
% WFH | 14.0% | 26.1% |
% w/ College Degree | 24.2% | -3.6% |
As of the latest ACS Survey released in 2023, Ferndale, CA is a predominantly white area, with 64.2% of the population identifying as white. The white population has shrunk by 16.5% in the last 5 years. The second most common race or ethnicity in Ferndale, CA is hispanic, making up 22.9% of the population. Foreign-born residents account for 6.3% of the population in Ferndale, CA, and this percentage has decreased by 30.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 64.2% | -16.5% |
% Black | 0.8% | ∞% |
% Hispanic | 22.9% | 35.5% |
% Asian | 1.6% | 33.3% |
% Foreign Born | 6.3% | -30.0% |
Mortgage and Risk — Ferndale, CA
According to HUD data as of 2023, there were 17 mortgage originations in Ferndale, CA, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 0.0% above 90% LTV (normal). This implies small mortgage risk in Ferndale, CA. Investor activity is low, as 0.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 17 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 0.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Ferndale, CA
Ferndale, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,130 |
| 2 Bedroom | $70 | $1,400 | $1,470 |
| 3 Bedroom | N/A | N/A | $2,060 |
| 4 Bedroom | $170 | $2,300 | $2,470 |
Affordability — Ferndale, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 9.4 |
| Median Home Price | $503,000 |
| Median Household Income | $66,600 |