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City · 77,927 residents · San Bernardino County, California

Chino Hills , California

In Chino Hills, a typical home is worth $874,900 and typical rent is $2,894 a month. Compared with all of San Bernardino County, the typical home value is 73% higher, typical rent is 61% higher, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $874,900

    73% above the county

    19% above California

    • Chino Hills
    • San Bernardino
    • California

  • Typical rent

    $2,894a month

    61% above the county

    42% above California

    • Chino Hills
    • San Bernardino
    • California

  • Typical household income

    $126,334a year

    48% above the county

    27% above California

    • Chino Hills
    • San Bernardino
    • California

  • Households that own their home

    69%

    7 points above the county

    13 points above California

    • Chino Hills
    • San Bernardino
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$973,080
1.6% more than 12 months ago
Typical rent
$3,085 a month
1.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Chino Hills is in San Bernardino County. The FHA loan limit ($690,000 for a one-unit home), the fair market rents and the help on this page are those of all of San Bernardino County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chino Hills apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Chino Hills is worth $874,900, 73% more than in San Bernardino County as a whole ($505,000).

  2. The typical rent in Chino Hills is $2,894 a month, 61% more than in San Bernardino County as a whole ($1,801).

  3. The typical household income in Chino Hills is $126,334, 48% more than in San Bernardino County as a whole ($85,478).

  4. Nearby, in Pomona, the typical rent is $1,810: 37% less than in Chino Hills ($2,894).

  5. Nearby, in Pomona, the typical home value is $593,800: 32% less than in Chino Hills ($874,900).

  6. 69% of households in Chino Hills own their home, against 62% in San Bernardino County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Chino Hills

What homes there are in Chino Hills, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Chino Hills, 8 in 10 homes are single-family detached houses; in San Bernardino County, 7.

Year built

Here half of the homes date from 1990 or later; in San Bernardino County, from 1983 or later.

There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 64% in San Bernardino County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,156 a month

San Bernardino County: $2,368 a month

Without a mortgage

$961 a month

San Bernardino County: $678 a month

Owners with a mortgage

66%

San Bernardino County: 69%

In Chino Hills, 66% of owners have a mortgage, and their typical cost is $3,156 a month, against $2,368 in San Bernardino County. Without one it drops to $961.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Chino Hills rose 41% since 2015–2019, less than in San Bernardino County (54%).

Rents in Chino Hills rose more slowly than in San Bernardino County: 36% since 2015–2019, against 40%.

Housing prices ran ahead of income in Chino Hills: typical income rose 19%, against +41% for home values and +36% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureChino HillsSan Bernardino CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.4%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 3.7%9.3%8.2%3.4%
People per household 3.063.202.842.53
Drive alone 70%74%66%69%
Carpool 9%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 18%11%17%15%
Other means 1%1%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.7% of households in Chino Hills live, less than in San Bernardino County (9.3%).

Much as in San Bernardino County, a household in Chino Hills has 3.06 people on average.

Many people here do not commute at all: 18% work from home; in San Bernardino County, 11%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Chino Hills?

A typical home costs more than the typical income allows

We start with a typical home in Chino Hills, worth $874,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Chino Hills, which is $126,334 a year. For that payment to be 28% of income, a household would need to earn about $309,831 a year. Note: at that price the loan is above the FHA limit for San Bernardino County ($690,000), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of San Bernardino County.

Your numbers

Local data
$

Starts at the typical home value in Chino Hills. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $30,622 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,229

at 7.18% · 30 years

Loan amount
$859,053
Total interest
$1,235,976
Paid off in
November 2056

Includes $14,775 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,948 a month

  • Tight

    $2,948 to $3,790 a month

  • Hard

    more than $3,790 a month

    Your payment · 69%

Compared with the typical household income in Chino Hills ($126,334 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,229
Principal & interest$5,820
Property tax$518
Home insurance$365
FHA mortgage insurance (MIP)$528

This loan is over the FHA limit

You'd borrow $844,278, but the FHA limit for a one-unit home in Chino Hills is $690,000. You'd need a bigger down payment or a different loan.

You need at least $30,622 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Chino Hills and San Bernardino County

Chino Hills is in San Bernardino County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Chino Hills's own numbers

Typical home value
$874,900
Typical monthly rent
$2,894
Typical yearly household income
$126,334
Households that own their home
69%
Effective property tax rate
0.71%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of San Bernardino County

FHA limit, one-unit home
$690,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,103
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
1.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Bernardino County.

Everything about San Bernardino County

Buying

Buying a home in Chino Hills

A typical home in Chino Hills is worth $874,900: 73% above the county and 19% above California. With the typical household income in Chino Hills ($126,334 a year), a typical home costs 6.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Chino Hills 6.9 years
  • San Bernardino 5.9 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in San Bernardino County

According to FHFA’s house price index, home prices in San Bernardino County rose 103% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of San Bernardino County.

Period County California U.S.
Last year (2025) +1.2% +0.8% +2.9%
5 years (2020–2025) +52% +40% +47%
10 years (2015–2025) +103% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Chino Hills next to San Bernardino County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Chino Hills $874,900
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Chino Hills $2,894
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Chino Hills $126,334
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Chino Hills next to San Bernardino County and California
Measure Chino Hills San Bernardino County California U.S.
Typical home value $874,900 $505,000 $734,700 $332,700
Typical monthly rent $2,894 $1,801 $2,036 $1,413
Typical yearly household income $126,334 $85,478 $99,122 $80,734
Households that own their home 69% 62% 56% 65%
Typical yearly property tax $6,203 $3,538 $5,124 $3,119
Effective property tax rate 0.71% 0.7% 0.7% 0.94%
Renters with high rent for their income 60% 59% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Bernardino County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Chino Hills

For a typical $874,900 home in Chino Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chino Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,229a month

    Above the FHA limit for San Bernardino County ($690,000)
    Down payment
    $30,622
    Cash to close
    $56,869
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $528

  • Conventional, 5% down $6,928a month

    Least cash to close
    Down payment
    $43,745
    Cash to close
    $69,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $416

  • Conventional, 20% down, no PMI $5,624a month

    Down payment
    $174,980
    Cash to close
    $201,227
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,433a month

    Down payment
    $131,235
    Cash to close
    $157,482
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Chino Hills and for San Bernardino County.

Property tax

Effective rate in Chino Hills

0.71%of the home’s value each year

$6,203 a year for the typical owner in Chino Hills.

  • Chino Hills 0.71%
  • San Bernardino 0.7%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in San Bernardino County

FEMA does not publish these numbers by city: they are for all of San Bernardino County.

Homes in the high-risk zone
1.5%
9,277
Of those, with NFIP insurance
15%
County California U.S.
Homes in the high-risk zone 1.5% 2.8% 3.5%
Of those, with NFIP insurance 15% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chino Hills

Typical rent in Chino Hills is $2,894 a month: 61% above the county. In Chino Hills, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Bernardino County, by unit size. To pay the 2-bedroom one ($2,103 a month) without spending more than 30% of your income, you would need to earn $40.44 an hour working full time.

HUD fair market rent for all of San Bernardino County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,605 $30.87 $64,200
1 bedroom $1,705 $32.79 $68,200
2 bedrooms $2,103 $40.44 $84,120
3 bedrooms $2,771 $53.29 $110,840
4 bedrooms $3,336 $64.15 $133,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Chino Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chino Hills is in ZIP code 91709.

For 2 bedrooms it is $3,150: $1,047 more than the fair market rent for San Bernardino County ($2,103).

  • 91709 $3,150$4,150

A ZIP code counts for Chino Hills when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Chino Hills

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 6 HUD-approved agencies with an office in San Bernardino County; 5 say they serve in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Chino Hills

No down payment, repair or rent-help program on our list is for Chino Hills or San Bernardino County. The ones below are statewide in California: they work in Chino Hills the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Chino Hills

The HUD-approved agencies closest to the center of Chino Hills, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • USA Homeownership Foundation DBA Veterans Association of Real Estate Professional

    495 E Rincon St Ste 110, Corona · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (888) 273-7267

  • NSC (naca Counseling Subsidiary) - Upland, CA

    205 N 2nd Ave, Upland · 11 miles away · Spanish

    (402) 970-6222

  • Inland Fair Housing and Mediation Board

    3175 Sedona Ct Ste D, Ontario · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (800) 321-0911

Every agency in San Bernardino County All counseling agencies in California

Help in Spanish near Chino Hills

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Chino Hills

HUD’s record names them for Chino Hills or San Bernardino County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of San Bernardino Public housing and Section 8 vouchers (909) 890-0644

One other authority has an office in San Bernardino County: see the list Source: HUD

Cities

Other cities in San Bernardino County

These cities are also in San Bernardino County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about San Bernardino County Housing in California
See 25 more cities in San Bernardino County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Chino Hills, with the typical home value.

Neighboring counties

If San Bernardino County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Chino Hills.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Chino Hills

Short answers with the numbers for Chino Hills and all of San Bernardino County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Chino Hills?

The typical home value in Chino Hills is $874,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Bernardino County it is $505,000.

How much does it cost to rent in Chino Hills?

Typical rent in Chino Hills is $2,894 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Bernardino County is $2,103.

What is the FHA loan limit in Chino Hills?

Chino Hills uses the FHA limit for all of San Bernardino County (2026): $690,000 for a one-unit home and $1,326,950 for a four-unit home.

How much property tax do owners pay in Chino Hills?

The typical homeowner in Chino Hills pays $6,203 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in San Bernardino County, the rate is 0.7%.

Where can I find free help to buy or rent in Chino Hills?

There are 6 HUD-approved counseling agencies with an office in San Bernardino County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).