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Lummi Island, Whatcom County, Washington Property Taxes

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Property Taxes in Lummi Island, Washington

  • Median Lummi Island, Washington effective property tax rate: 0.75%, significantly lower than the national median of 1.02%, and lower than the Washington state median of 0.92%.

  • Median Lummi Island, Washington home value: $439,965

  • Median annual Lummi Island, Washington tax bill: $3,047, $647 higher than the national median property tax bill of $2,400.

How are property taxes in Whatcom calculated?

Property taxes in Lummi Island, Washington are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Lummi Island's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lummi Island, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Lummi Island, Whatcom County, Washington Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.75%

Estimate Property Tax Bill

$3,300

$3,062

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Lummi Island Property Tax Calculator Work?

Use this Lummi Island property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Lummi Island's median effective tax rate of 0.75% — based on actual property records in Whatcom County — to generate your estimate.

Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Lummi Island's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Lummi Island: rates range from 0.75% in 98262 to 0.75% in 98262, primarily due to differences in school district levies and local assessment districts.

Lummi Island's median tax rate is lower than the 1.02% national median property tax rate and lower than the 0.92% state median tax rate. The median property tax bill is $3,047, which is $647 higher than the state median tax bill.

If your estimate is higher than expected, Ownwell can appeal your Lummi Island assessment — you only pay if we save you money.

About Lummi Island Property Taxes

About Property Taxes in Lummi Island, Whatcom, Washington

Lummi Island’s median effective property tax rate of 0.75% is lower than the Washington state median of 0.92% and lower than the national median of 1.02%. This rate reflects the Whatcom County base levy combined with local school district levies and local improvement districts that can vary by subdivision throughout the island.

Property tax rates are not uniform across Lummi Island. Homeowners in the 98262 ZIP code carry a median effective rate of 0.75%, and the same ZIP also has the lowest median rate at 0.75%. That means the tax burden is shaped more by local assessment boundaries than by a wide ZIP-code spread.

The median home price is $439,965, and the median property tax bill is $3,047, which is $647 higher than the state tax bill difference cited here.

Lummi Island homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before October 27, 2026.

If your estimated bill seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Lummi Island, Whatcom County, Washington

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Lummi Island's effective property tax rate to other cities in Washington and the median property tax rates in Washington and the U.S.

Property Tax Rates Across Lummi Island, Whatcom County, Washington

Source: Ownwell

0.65%

0.77%

0.89%

Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Lummi Island Tax Rate

0.75%

Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Whatcom County Tax Rate

0.77%

Median Effective Washington Tax Rate

0.92%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Lummi Island, Whatcom County, Washington

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
982620.68%0.73%0.75%0.80%0.81%

Source: Ownwell

Property Tax Assessment Values Across Lummi Island, Whatcom County, Washington

When examining property taxes in Lummi Island, Washington, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Whatcom County appraisal district estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Whatcom County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of September.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Lummi Island.

For example, the median home price in Lummi Island is $439,965, with tax bills ranging significantly across the county. 98262 has the highest median home price at $439,965.

Property Tax Assessment Values Across Lummi Island, Whatcom County, Washington

Source: Ownwell

$101,250

$359,643

$618,036

Median Lummi Island Market Value

$439,965

Median Whatcom County Market Value

$511,606

Median Washington Market Value

$501,600

Median United States Market Value

$235,294

Property Tax Assessment Values Across Lummi Island, Whatcom County, Washington

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
98262$36,521$143,743$439,965$788,586$1,088,811

Source: Ownwell

Property Tax Bills Across Lummi Island, Whatcom County, Washington

Property tax bills in Lummi Island are based on the assessed value of a home and the local tax rate set by taxing authorities in Whatcom County. When a property’s market value rises, the assessed value can increase too, which may lead to a higher tax bill. For homeowners, that means property taxes can become a significant part of the cost of owning a home, especially when the median home price is $439,965.

The typical property tax bill on Lummi Island is $3,047, which is above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills can vary widely, with the 25th percentile at $727 and the 75th percentile at $5,792.

Ownwell helps homeowners save by reviewing assessments, identifying opportunities for property tax appeals, and making sure exemptions are not missed. If your assessed value is too high, Ownwell can help lower your property tax bill and reduce what you pay each year.

Property Tax Bills Across Lummi Island, Whatcom County, Washington

Source: Ownwell

$542

$2,782

$5,021

Median Lummi Island Tax Bill

$3,047

Median Whatcom County Tax Bill

$3,775

Median Washington Tax Bill

$4,512

Median United States Tax Bill

$2,400

Property Tax Bills Across Lummi Island, Whatcom County, Washington

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
98262$234$727$3,047$5,792$8,162

Source: Ownwell

Don't miss the deadline to appeal!

Frequently Asked Property Tax Questions in Lummi Island, Washington

How are property taxes calculated in Lummi Island, Washington?
Property taxes in Lummi Island, Washington are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in Lummi Island, Washington?
To appeal your property taxes in Lummi Island, Washington, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in Lummi Island, Washington?
Common property tax exemptions in Lummi Island, Washington include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in Lummi Island, Washington?
Property tax deadlines in Lummi Island, Washington vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in Lummi Island, Washington?
Ownwell provides professional property tax appeal services in Lummi Island, Washington. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.