How Much Does a New Townhome in Bellingham Really Cost? (2025 Edition)
When you're searching for a new home in Bellingham, one of the biggest questions is always: "What will it actually cost me?" Most builders avoid giving straight answers upfront, but we believe transparency builds value and trust. So in this post, we’ll break down the real costs of buying a new construction townhome at Trailside—including actual starting prices, monthly payments, and how our exclusive 5.5% rate buydown can help you save hundreds each month.
1. Base Prices at Trailside (Real Examples)
Trailside offers several floor plans, each with different price points:
Pilchuck: Starting at $540,000
Skyline Divide: Starting at $575,000
Artist Point A: Starting at $649,000
These home prices reflect what is included: high-end finishes like quartz countertops, air conditioning, stainless steel appliances, and landscaped outdoor spaces.
2. Additional Costs to Factor In
Beyond the purchase price, here are typical costs to expect:
Closing Costs: Typically 2–5% of purchase price
Property Taxes: Approx. 1.0% of home value annually in Whatcom County
HOA Fees: Estimated $250/month (covers exterior maintenance, landscaping, etc.)
Home Insurance: ~$900/year on average
3. Monthly Payment Breakdown (With 5.5% Buydown Example)
Let’s assume a $540,000 townhome with 20% down and a 30-year fixed mortgage. Here's what your monthly principal and interest payments might look like with and without the rate buydown:
| Rate | Monthly Principal & Interest | Monthly Savings |
|---|---|---|
| 6.5% | $2,934/month | — |
| 5.5% | $2,452/month | $482/month saved |
That’s nearly $6,000 in savings per year—and over $180,000 saved over the life of your loan.
For many homebuyers, this kind of savings is the difference between stretching a budget and buying with confidence. Plus, lower monthly payments may also help you qualify for a larger loan amount or improve your overall debt-to-income ratio.
*These figures are estimates. Please speak with a licensed lender for personalized numbers.*
4. New Construction vs Resale Townhome Costs
Resale Pros:
Potentially lower list price
More established community
Resale Cons:
Older HVAC, appliances, roofing
Higher maintenance
No builder warrant
New Construction Pros:
Lower maintenance
Brand-new systems
Energy efficiency
Builder warranty included
5. Why Trailside Offers Strong Value in 2025
Location: Walkable to Costco and Northern Lights Park and Trails. Minutes away from Cordata Park, Whatcom Community College, Trader Joe’s, Fred Meyer, Bellingham Airport.
Modern Finishes: Already included, no extra upgrade packages required
Nature + Convenience: Green spaces, playgrounds, and trail systems built in
Financing Perks: Rate buydown saves money now, not later
Want a Personalized Price Breakdown?
Contact us to schedule a tour or speak with a financing advisor. We'll walk you through your estimated monthly costs and help you explore current rate incentives—no pressure, just clear answers.This post dives into the five biggest areas smart homebuyers ask about before making a move: cost, problems, comparisons, reviews, and best-in-class features. Let’s dive in!
