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Working On Whidbey
Are you thinking of moving to Whidbey and wondering what working on Whidbey looks like? We’re not all retirees. Of Island County’s ~87,700 residents, ~28,000 residents have full-time jobs. (EDC Island County Profile 2020) The Navy accounts for ~11,000, so estimate that total at ~39,000. There are many retirees, children, and people employed part-time or not at all. One answer doesn’t fit all. Keep reading for the details.
The Navy Dominates
The Navy is the largest employer by thousands. If you live in or around Oak Harbor, they are hard not to notice. Some people in the military live as far south as Clinton. Others are quite far off-island and commute 45 minutes or more. Take a look at a map and notice the roads heading to the big blank space just north of Oak Harbor. Not everyone working on base are military personnel. Military bases tend to have a little bit of everything, including jobs for civilians. The base is why the Island’s population is concentrated on the north part of the island. It is also the reason there are so many businesses and jobs around it.
Airplanes Need Built
Ironically, the next biggest employer of islanders is also dealing in airplanes but is not on the Island. Boeing’s Everett plant builds the wide-body jet airplanes people are familiar with. Approximately 900 Boeing employees commute to the plant. That’s more than four times the number Walmart employs on the Island, and no on-island business is bigger. Boeing is only one example of off-island employers with island commuters. Over 35% of Island County’s employees leave the county to get to work. Some may have switched to “Work From Home”, but those jobs are in flux as employers and employees maneuver around each other while trying to find that remote vs. on-site balance.
Keep in mind, much of this data includes Camano Island because the government reports cluster data by county, as in Island County, rather than by geography, as in by island.
So, where is everyone else working on Whidbey?
As we noted, the Navy dominates with 63% of the workforce. The next biggest batch is 20% from governmental jobs like schools, city, county, state employees and hospitals. Then comes the private companies. The ones with more than ~50 employees add up to ~17%. Those three segments add up to ~100% but miss a large contingent that is harder to track. The number of people employed by small companies and entrepreneurs is about 6,000.
Understanding what works on Whidbey is different from what works in more conventional places, like big cities. Island County is officially designated as a rural county. Farm payrolls shift dramatically. Whidbey Island also has officially declared spaces that are Creative Districts. Wander around Whidbey and notice the many artists, studios, galleries, public displays, events, and performances. They also have supporting businesses supplying them with supplies, services, marketing, and such. Artists and farmers are so busy tending their projects and fields, and tend to be soloists, which means dutifully reporting data easily gets out-prioritized.
Is remote working on Whidbey a possibility?
While remote work may be a new thing for much of the world, Whidbey has also held a population of people who live here and commute to the rest of the world. Negotiating a deal in Kuala Lumpur? Your house address isn’t as important as having an airport available. Thanks to the Island’s connections, SeaTac (south of Seattle), Paine Field (close to the Clinton Ferry), and Bellingham’s international airport, a flight can be a drive, bus ride, or shuttle trip away. Canada’s even close enough that some will fly out of Vancouver’s airports when the flights are right. It is hard to track such travelers because they may be employed anywhere.
Sometimes the employers come to us, like when a movie or ad is being filmed here, or a retreat is being hosted here.
It is too easy to label such a big island with the impact of one employer. The Island has hundreds, thousands. We even have a boat builder and a few colleges.
And, of course, people move here and bring their businesses with them, or move here, and the island inspires their next enterprise.
But, retirement, or at least a sabbatical, that can work well for Whidbey too.
For a more in depth look at the data you might like to geek out on the Economic Development Council’s Island County Profile for 2020 by clicking here.
If you are considering a move to Whidbey and would like to discuss this in more detail and are not currently working with an agent connect with us to start the conversation.
Retirement in your future?
If retirement is in your near future, or perhaps you are already there (congratulations) you may find yourself wondering if staying in your home is still a good fit. When you live in a home for an extended period, it is normal for your needs to change as you progress through life’s milestones. You may find that your home is too big for the needs of this next chapter. Perhaps you have always had a dream destination in mind, whether to visit or to live or maybe you just want to be closer to family. Selling your home may just be the key to moving onto something that fits your life better.
Regardless of your why, understanding your options and the market can help you make the best next decision. We cannot stress enough that no one size fits all and suggest discussing your unique situation with a trusted Realtor. If you are not currently working with a realtor, connect with us. We will help find you the perfect match through a series of specific questions.
Follow along as we discuss why you might be in an advantageous position if you ARE considering a move and thinking about retirement.
Consideration 1: How long have you owned your home?
Today, people are living in their homes longer than they ever have in the past. The longer you live in the home the more likely that you are in a better position to sell. Let’s look at a few factors. The National Association of Realtors (NAR) shared that homeowners owned their homes for an average of six years between 1985 and 2008 whereas homeowners have been staying in their homes for an average of 9.2 years since 2009. See the graph below.
If you are like most homeowners today, you have been in your home for well over 5 years. If this is the case, it is an indicator that a move may be in your favor. Typically speaking, you have built significant equity after just 5 years in your home due to home price appreciation. The Federal Housing Finance Agency (FHFA) demonstrates this in their graph below.
If you have lived in your home for over 5 years, you might just be sitting on a large sum of money that could make your dreams a reality. The recent market has helped homeowners increase their equity by nearly 60% in the past 5 years. Those who have owned their homes since 1991 have experienced their home triple in value since they purchased it back in 1991.
Consideration 2: The Market
Currently, we are experiencing a sellers’ market. Home price appreciation is stable. There is a lack of inventory and a prediction that mortgage rates will decline. We have already begun to see the decline in rates. As rates drop, homeownership becomes an attainable option again for those looking to buy. If you are not currently working with an agent and would like to discuss a strategic plan, connect with us here.
Whether you wish to downsize, move to the destination of your dreams, have the funds to go on the vacation of a lifetime, or move closer to the ones you love, the equity in your home can help get you there.
No matter what your home goals are, a trusted realtor can help you discover the best options to get you there. They can help you sell your current home and get you into the that is right for life today.
Retirement in your future? Let’s connect and explore your options.
Clinton Ferry
It is often a wish come true to live on Whidbey Island. With the ideal four-season experience, a marine island climate, great community culture, stunning beaches, and gorgeous scenery, what’s not to love? Unlike most islands, with access limited by expensive boat rides or planes, Whidbey Island offers three main points of access on and off the island. The beautiful Deception Pass bridge at the north end of the Island, the Port Townsend Ferry from Coupeville, and also the Clinton/Mukilteo Ferry (pictured above) with the gorgeous mountain views to enjoy during the short ride over to the mainland.
Check out the rest of Whidbey’s beautiful destinations from this series here.
Navigating Paradise: On a Ferry Ride
Who says you can’t navigate paradise from the comfort of a ferry ride? Our experience when taking a ferry to or from Whidbey Island is that it offers a unique and picturesque experience that is packed with charm and several noteworthy advantages. Follow along to find out the top 10 reasons we suggest you take a ferry the next time you need to cross the water.
Scenic Beauty:
The Washington State Ferries treat passengers to breathtaking views of the Puget Sound, surrounding islands, and the majestic Olympic and Cascade mountain ranges. It’s a visual feast for nature enthusiasts and photographers.
Relaxation:
Our ferries offer a peaceful and leisurely mode of transportation. Not only do you not have to navigate the hustle and bustle or sit in stop-and-go traffic to get to your destination, but ferry passengers can unwind on deck, enjoy the fresh sea breeze, or simply gaze at the tranquil waters, creating a serene and enjoyable journey to your destination.
Convenience:
The ferry system is an integral part of the Pacific Northwest’s transportation network. It offers a convenient way to connect Whidbey Island to the mainland, making it accessible for both commuters and tourists.
Time to Unplug:
Depending on who you are, you will either love or hate, the absence of Wi-Fi on most ferries. However, this absence of connectivity encourages travelers to unplug from the digital world, promoting relaxation and providing an opportunity to disconnect, unwind, and take in the spectacular atmosphere surrounding you.
Wildlife Watching:
Keep an eye out for marine life during the journey. It’s common to spot seals, sea lions, dolphins, and various seabirds while crossing the Sound. If you get to snap a picture, don’t forget to tag us at @windermere_whidbey_island on Instagram.
Community Experience:
Passengers often strike up conversations and share stories while riding the ferries which fosters a sense of community. It’s a chance to connect with fellow travelers or engage with locals who cherish their island home. Such an opportunity for learning about the island if you are new here. If you are hoping to learn more about the island or looking for a place to live and aren’t currently working with a realtor, connect with us here so we can be your guide.
Adventure Starting Point:
For tourists, the ferry ride to Whidbey Island marks the beginning of an exciting adventure. It is the gateway to exploring the island’s charming towns, outdoor activities, and natural wonders.
Child-Friendly:
Ferries are child-friendly, so you don’t have to feel like you can’t go because you have kids. You can stay in your own vehicle if you choose to do so, however, many ferries offer play areas and tables for kids. In fact, the experiences of riding a ferry can offer opportunities to teach children about marine life and navigation.
Cafes and Dining:
Many ferries feature cafes or dining options where passengers can enjoy a meal or snack while taking in the views.
Sunsets and Sunrises:
This might just be one of our favorites. The early morning and evening ferry rides provide an opportunity to witness stunning sunrises and sunsets over the water, creating magical moments for travelers. We highly suggest you experience a sunset or sunrise ferry ride at least once in your life time.
In essence, taking a ferry to or from Whidbey Island is not just a means of transportation; it’s an experience that adds to the overall allure of the island, combining convenience with a touch of adventure and a generous serving of natural beauty. Click here to check out the Washington State Ferries schedules and to book your next ride. If you have fallen in love with Whidbey and are considering staying connect with us here.
Weather in the Pacific Northwest
The Pacific Northwest, or PNW, is a region known for its varied and often unpredictable weather. Located in the northwest corner of the United States, the PNW is home to a diverse array of climates and landscapes, ranging from the rainy, temperate rainforests of the coast to the dry, high-desert regions of the interior.
One of the most distinctive features of the PNW weather is the rain. The region is home to some of the wettest parts of the country. Some areas receive over 100 inches of rain per year. While the rain can be a nuisance at times, it is also a vital part of the region’s ecosystem. The rain provides the water needed to sustain the lush forests and vegetation that thrive in the region.
In addition to the rain, the PNW is also prone to fog and mist, especially along the coast. These foggy conditions can last for days at a time, creating a unique and sometimes eerie atmosphere.
Weather on Whidbey Island
Whidbey Island, located in the northwest corner of Washington state, is no stranger to the PNW’s unpredictable weather. Located in the Puget Sound, the island is influenced by both the maritime climate of the coast and the inland climate of the region. As a result, the weather on Whidbey Island can vary significantly from one day to the next. Sometimes a sunshining clear skies day gives way to rain and fog in a matter of hours.
One unique aspect of the weather on Whidbey Island is its location in the rain shadow of the Olympic Mountains. The rain shadow effect occurs when moist air is forced up and over a mountain range. When this happens it causes it to cool and release its moisture in the form of rain or snow. As the air descends on the other side of the mountain range, it warms and becomes drier, creating a “rain shadow” region that receives less rainfall.
Due to its location on the leeward side of the Olympic Mountains, the areas of North and Central Whidbey Island experience this rain shadow effect, resulting in significantly less rainfall compared to other parts of the PNW. While the island still gets its fair share of rain and fog, it is generally drier and sunnier than the surrounding region. Less rainfalls makes it a popular destination for those seeking a respite from the rain.
Despite the often-variable weather, the PNW and Whidbey Island are beautiful and unique places to visit or call home. The diverse landscape and varied climate create opportunities for a wide range of recreational activities. Many people enjoy hiking and camping in the summer to skiing and snowboarding in the winter. So, whether you’re a seasoned resident or a first-time visitor, be prepared for a little bit of everything when it comes to the weather in the PNW and on Whidbey Island.
When you fall in love with the island and want to stay let us help you find your dream home. Connect with us here.
Who are you going to call
Who are you going to call? That’s up to you. How are you going to call? That’s up to you, too; but, that’s a shorter list. It is also easier to talk about. Welcome to Whidbey, or your new home, or your curiosity. Phone service on the island is unique for several reasons; and can even get into international issues. Here are some of your choices.
Landlines:
Landlines exist, and can frequently outperform more modern options. A direct connection between two phones can be clearer, simpler, and make sense in older homes. Landlines can also avoid issues about spots in a house where signals are blocked by things like masonry. They can also be handy during a power outage, if the provider keeps the lines charged. Even better is a provider that buries the lines so they’re less likely to be impacted, literally, by falling branches.
But, landlines have limits. Putting a landline in your pocket can be done, but is somewhat useless when out of range of the home’s base station. (e.g. Whidbey Telecom, Ziply)
Mobile Phones:
Welcome to the modern era when phones in pockets are taken for granted, as is roaming. One phone, one country, that’s pretty good. Cell phones, mobile phones, isn’t that what everyone uses? The major providers are here, which is definitely appreciated. As a solution, mobile phones are the dominant choice.
Mobile phones are the dominant choice, but not every provider can provide unlimited coverage. Can you hear me now? You can still hear people say that on a call as you drive through gaps in coverage. Ridges, buildings, and antenna blind spots can have you checking whether you have five bars, or as little as one bar, or even no bars. Electronic signals can’t be guaranteed to reach the base stations of the corporate carrier. Coverage is pretty good, but a temporary interruption while driving around isn’t as important as a poor signal at home. Check coverage for where you want to live.
Coverage Maps:
Find a home in the areas with your ideal coverage here.
When in doubt, drive there and check. If you are buying a home the home inspection time is a great chance to check cell reception too, make as many calls in as many spaces on the property as possible. If you get the opportunity, check in with the neighbors, possibly on social media, and learn what they use. (e.g. AT&T, T-Mobile, Verizon, US Cellular). Talk with your agent about their experience with coverage. Don’t have an agent? Connect with one here.
VIOP:
Keep in mind, some people want to live in those quiet pockets. There’s someone for everywhere.
Got a good internet connection but no cell signal? VOIP can be an option. Voice Over Internet Protocol routes your calls through the internet, not a phone landline or a cell tower. Some cell phones are already set up to choose the better path between a tower and the internet. That can be the best of both worlds. (e.g. Frontier, Vonage, Wave)
Did That Message Just Say Welcome to Canada?
Hello, Canada. Saying hello to Canada is easy enough. You can see it from the island. Wave at it. Your phone might be doing that too. The farther north and west you get on the island the greater the likelihood that your phone may connect with a tower in Canada. You can get charged for international roaming without leaving the US. Fortunately, your phone should tell you when it does that, but it is worth checking, occasionally. (e.g. Telus)
The Final Message:
The choices aren’t infinite, but there may be more than you want to research for your corner of the island. The denser the population, the more likely you’ll have plenty of choices, many of which run those big national ad campaigns. Our island’s more remote locations, however, can be so unique, so idiosyncratic, that it might make sense to visit and try calling friends and family.
As technology continues to invent new options, the choice continues to change. Now that satellite phones have progressed from specialized Globalstar handheld units to Starlink’s internet access a homeowner can create their own connection, assuming those pesky hills and bills don’t get in the way. If you’ve got power and the right view, you’ve got internet and phone; regardless of whatever might be interrupting everyone else’s day or night.
Who are you going to call? That’s up to you. How are you going to call? That’s up to you, too; but, now you may understand why one answer doesn’t apply to everyone. Thanks, Ma Bell and your old bakelite landline phones wired to a wall; but, we’ve become much more mobile, and hopefully more stylish. Make a call from Whidbey? You’ve got options. Try to call us now: 360.675.5953.
HALLOWEEN IS CREEPING CLOSER
As the crisp autumn air settles in, Halloween is creeping closer and it’s time to conjure up some devilishly delightful pumpkin carvings.
SPOOKTACULAR CARVING IDEAS:
Whether you’re a seasoned pro or a beginner, these spooktacular pumpkin carving ideas are sure to impress.
Start off with a classic Jack-o’-Lantern, featuring a toothy grin and triangle-shaped eyes that never go out of style. Or try a simple yet spooky ghost design with black paint or markers to create a hauntingly eerie look. If you prefer something more whimsical, carve a cute cat with pointy ears and whiskers to add a playful touch to your décor.
But… if you are feeling daring, go all out with a fierce dragon carving. Of course, it will require expert level skill and patience, but it is sure to leave everyone spellbound. For a more elaborate design, try carving a haunted house complete with spooky windows, a creaky door, and ghostly apparitions floating around – perfect for adding an extra eerie ambiance to your Halloween décor.
WHIDBEY ISLAND FARMS:
Once you have your design picked out, head over to one of Whidbey Island’s pumpkin patches to find the perfect pumpkin.
At the Greenbank Farm enjoy a fun day of picking your own pumpkins.
Case Farm offers over 50 years of experience in growing a variety of pumpkins.
While the Bayview Farmers Market has a pumpkin patch, it also offers a variety of vendors selling fresh produce, baked goods, and handmade crafts.
But don’t stop there – Whidbey Farm & Market and The Farm Stand K & R Farms also offer great pumpkin picking options. At the Whidbey Farm & Market, you can support local farmers and artisans while picking out your perfect pumpkin for carving and at The Farm Stand K& R Farms, enjoy a variety of fresh produce and family-friendly activities like a corn maze and ice cream.
HALLOWEEN FUN ON WHIDBEY:
To top off the fun, if you are looking for a spooktacular adventure, head over to the Haunted Barn In Oak Harbor. The haunted barn features creepy decorations, special effects, and live actors sure to send shivers down your spine.
No matter where you choose to pick your pumpkins or celebrate Halloween, make sure to enjoy the crisp fall weather and embrace all the spooky sights and sounds of the season. Happy haunting!
5 Reasons to Use a Local Lender
When it comes to buying a home, choosing the right lender is an important decision that can have a significant impact on your home buying experience. While it’s possible to work with a lender from anywhere, working with a reputable local lender in the area you are purchasing provides many benefits that make the process smoother and more enjoyable. In this article, we will share five reasons why you should consider using a reputable local lender for your next home purchase.
5 Reasons to Use a Reputable Local Lender:
1. Personal Connection:
A local lender provides the opportunity to have a face to face conversation and build a personal relationship, which can be especially helpful when dealing with complex issues. How much better is it to have the ability to sit down face to face with someone and discuss, ask questions, smile and laugh with or even cry if necessary? It is so much better than trying to solely do things over the phone or email with someone hundreds of miles away. When the going gets tough, you (or your trusted real estate broker) can go directly to the office and discuss the issues in person to figure it out rather than be put on hold.
2. Knowledge of the Market:
A local lender is more likely to have a deep understanding of the local real estate market, including contractors, permit requirements, and more. It is not unheard of to have a local lender provide contact details for a roofer that can get the fix done in time for closing or the local Labor and Industries permit guy who can solve the problem faster than driving an hour to the nearest office. Reputable local lenders understand when there is delay due to septic repairs or how to get the water quality test results ASAP.
3. Reputation:
Local lenders have a reputation to uphold in their community, which can provide added accountability and ensure a higher level of service. When you run into your clients in the grocery store or watch their kids play on the same soccer team you naturally put a little more into making sure your service is impeccable. Anonymity creates distance and reduces accountability.
4. Strong Relationships with Escrow Teams:
Good relationships with local escrow teams can lead to smoother and more efficient transactions. Often the most stressful point of the transaction is right at the very end as the final underwriter is reviewing the file and potentially finding issues that need more documentation. This can lead to delays in critical milestones that need to be met to close on time. Getting the necessary documents from the lender to escrow on time can be the difference in closing as expected or experiencing costly delays and even the possibility of losing the home. You can use a lender from almost anywhere, but the escrow team is nearly always local to the property being purchased. When lenders are well known and respected by the local escrow offices you can expect excellent communication and problem solving between them. This will make overcoming obstacles to closing on time more likely.
5. Competitive Terms:
Local lenders often offer competitive terms and rates, making them a cost-effective option. When comparing lenders, be sure to compare all the terms and costs of the loan, not simply the advertised interest rate. When you do, you’ll often find the local lender has lower overall costs than national corporate lenders.
In conclusion, using a reputable local lender provides a range of benefits that make the home buying process more enjoyable and efficient. From the personal connection to the knowledge of the local market and their reputation to uphold, there are many reasons to consider using a local lender for your next home purchase. So why not choose a lender who is well-known and highly regarded in your local real estate community? Contact us today to be put in touch with a great lender on Whidbey Island!
Island Transit on Whidbey Island
Island Transit is the public transportation system serving Whidbey Island, located in the Puget Sound region of Washington state. The system consists of fixed-route buses and paratransit vans, as well as additional programs such as vanpools and bike locker rentals.
Island Transit began on December 1, 1987 as a response to the increasing traffic congestion and lack of transportation options on Whidbey Island. Today, the system serves a population of approximately 73,000 people, covering a service area of approximately 400 square miles. The buses pick up passengers from bus stops like the Northgate Terrace bus stop pictured above throughout all of Whidbey Island.
In addition to its fixed-route buses, Island Transit also operates a paratransit service for individuals with disabilities who are unable to use the fixed-route buses. The paratransit vans offer door-to-door service and can be reserved by calling Island Transit in advance.
Island Transit’s vanpool program is a convenient and cost-effective alternative for commuters who travel long distances or have irregular work schedules. Participants in the program share the cost of gas and vehicle maintenance and can save money on the cost of driving alone.
The bike locker rental program allows riders to securely store their bike at a convenient location and use it to complete the first or last leg of their commute. The lockers are located at select bus stops and can be rented on a monthly basis (check out prices and apply here) in addition to public use lockers that are on a first come first served basis.
In recent years, Island Transit has made efforts to increase sustainability and reduce its environmental impact. Learn more about their initiatives here. As a result, hybrid buses have been added to its fleet all while keeping Island Transit buses fare-free.
Overall, Island Transit plays a vital role in the transportation needs of the residents and visitors of Whidbey Island. The convenient and reliable services, as well as its vanpool and bike locker rental programs, make it a valuable asset to the community.
If you have further questions or are interested in learning more about living on Whidbey Island please do not hesitate to connect with us. Contact us here.
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You’ll Lose Money When You Overprice Your Home
You are probably asking yourself, “did I read that right?”
Yes, yes you did.
It is normal for sellers to want to get the most money out of the sale of their homes. It feels safe to list your home at the price you are desiring to get, but the reality is listing high might actually do your pocketbook more harm than good in the long run. Follow along as we explain why.
RISKS OF OVERPRICING YOUR HOME
You are drawing the attention of the wrong buyers.
Most people begin their home purchasing journey by searching which homes are available in their desired location online. Consider this. Your home is worth $500,000, but you list it for $575,000. When buyers are looking online, they filter to find homes within their price range and typically by $25,000 increments. The person looking for a $500,000 home will never see yours and if they do they will believe it is out of their reach, and when the buyers looking in the $575,000 range see your home and compare it to others in that range, they will get the impression it is not worth it, and there are better options.
Fewer people will see your home.
When your home is overpriced, the issue can be detected by buyers just by looking at your online listing and will pass on viewing it in person. The more showings you have, the more legitimate interest there is, and the more likely your home is to sell. Showings give potential buyers an opportunity to see the home first-hand giving them the opportunity to imagine themselves living there.
On the other hand, if you get lots of showings because your photos look better than reality but no offers you’ve wasted your best shot at getting the right buyer through your home and you there are no redo’s for first impressions. This leads us to our next point…
You are sending the “I’m an undesirable home” message to the public.
As people continue to look for a home and new buyers enter the market, they might see your home online, but by that time they will also see the “time on market”. The longer your home sits on the market, the less attractive it becomes psychologically to everyone. Nobody wants the home that nobody else wants. Once it has lost its appeal the damage is done. You’ll find yourself beginning to reduce your price and often end up at a price less than what the home could have sold for if it was priced right the first time.
In conjunction with price reductions, the longer your home sits on the market, the more expenses you incur. Consider mortgage payments, utility costs, lawn care maintenance, seller’s fees, and more while you are trying to move out.
Your buyers won’t be able to finance if it doesn’t appraise.
Perhaps you drop the price just enough to intrigue a buyer but still above market level. Maybe you’re lucky enough to hook a buyer. Then the appraisal comes back low. Now you either have to come down in price or lose the buyer and start over again, with 20-30 days more on market…
If you are considering selling your home and would like a complimentary analysis to determine the correct value of your home in this market connect with us to be paired with an experienced Windermere agent that can help you with your unique situation and avoid all the overpricing pitfalls.
