Ferndale's economy is a blend of local retail, light manufacturing, and significant heavy industry located just outside the city limits.
* **Industrial Hubs:** The Cherry Point industrial area, located west of Ferndale, is a major economic driver for the region. It houses large facilities including the BP Cherry Point Refinery and the Phillips 66 Ferndale Refinery. Though technically in unincorporated Whatcom County, these facilities are closely tied to Ferndale's economy. * **Local Business:** Downtown Ferndale acts as the commercial heart of the city, featuring a mix of family-owned shops, professional services, and grocers. * **Manufacturing & Agriculture:** The surrounding area supports a robust agricultural sector (especially dairy and berries), alongside local manufacturing and food processing businesses.