Inside the city, this is largely a sewer town, which is exactly why septic gets forgotten here in a way it does not in Lynden or Everson. The properties that are on septic tend to be older, on larger lots, and owned by people who have never had to think about it.
Where they are is fairly predictable. Out along Yew Street and toward the county line. The wooded lots south toward Chuckanut. Around Lake Whatcom and up into Sudden Valley. Newer areas annexed into the city where the sewer never reached the whole way. Plenty of homes that feel entirely urban are on their own system.
The Bellingham complication is Lake Whatcom. The lake is the drinking water reservoir for the city, and properties in the watershed carry more scrutiny than the same house would three miles away. That affects what is expected of a system, how seriously a failure is treated, and how much a buyer's lender cares at sale.
The other Bellingham pattern is trees. These are wooded lots with mature Douglas fir and cedar, and root intrusion into tank inlets, outlets and drain lines is a far more common failure cause here than out on the open farmland.