If it gets louder as you turn the wheel to one side and quiter to the other, that will help you decide which bearing. Bad news...bearing is about $80 (NAPA) and Ford charged me about $180 to replace it (at 48,000 miles on my SVT). Good news...all better for another 40,000 miles. Its a pressed in unit, so unless you have access to heavy tools and some experience, I'd find a shop. My $.02
But yeah...its the bearing for sure. Remember running over any old ladies?
