City · 214,169 residents · San Bernardino County, California
Fontana, California
In Fontana, a typical home is worth $586,800 and typical rent is $1,839 a month. Compared with all of San Bernardino County, typical household income is 20% higher and the typical home value is 16% higher.
Typical home value from Zillow, September 2021 to September 2026: from $539,535 to $633,770.
Typical rent
$3,191a month
▲ 3% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $2,556 to $3,191.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fontana 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Muscoy, the typical home value is $422,600: 28% less than in Fontana ($586,800).
2
The typical household income in Fontana is $102,821,20% more than in San Bernardino County as a whole ($85,478).
3
The typical home in Fontana is worth $586,800,16% more than in San Bernardino County as a whole ($505,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fontana
What homes there are in Fontana, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Fontana
San Bernardino County
California
United States
Kind of home: Fontana and its comparisons
Measure
Fontana
San Bernardino County
California
United States
Detached house
77%
70%
57%
61%
Attached house
4%
5%
7%
6%
Building of 2 to 4
3%
6%
8%
8%
Apartments (5 or more)
14%
14%
24%
19%
Mobile home
3%
5%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 77% of homes here, against 70% in San Bernardino County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fontana
San Bernardino County
California
United States
Year built: Fontana and its comparisons
Measure
Fontana
San Bernardino County
California
United States
Before 1960
13%
18%
27%
26%
1960–1979
15%
25%
29%
24%
1980–1999
40%
35%
25%
25%
2000–2009
21%
15%
11%
14%
2010 or later
11%
8%
8%
11%
Here half of the homes date from 1989 or later; in San Bernardino County, from 1983 or later.
There is more room for a big family here: 75% of homes have 3 bedrooms or more, against 64% in San Bernardino County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K2%
$200K–$300K2%
$300K–$500K23%
$500K–$750K52%
FHA limit: $690,000
$750K–$1M14%
$1M or more2%
Value of owner-occupied homes: Fontana and its comparisons
Measure
Fontana
Under $100K
6%
$100K–$200K
2%
$200K–$300K
2%
$300K–$500K
23%
$500K–$750K
52%
$750K–$1M
14%
$1M or more
2%
The FHA loan limit for San Bernardino County is $690,000, and about 71% of owner-occupied homes in Fontana are worth less than that.
Monthly rent with utilities
Under the limitOver the limit
Under $5003%
$500–$9999%
$1,000–$1,49919%
$1,500–$1,99929%
$2,000–$2,49919%
HUD fair market rent, 2 bedrooms: $2,103
$2,500–$2,99912%
$3,000 or more10%
Monthly rent with utilities: Fontana and its comparisons
Measure
Fontana
Under $500
3%
$500–$999
9%
$1,000–$1,499
19%
$1,500–$1,999
29%
$2,000–$2,499
19%
$2,500–$2,999
12%
$3,000 or more
10%
About 63% of rented homes in Fontana cost less than HUD's 2-bedroom fair market rent for San Bernardino County ($2,103); the rest cost more.
With a mortgage
$2,608 a month
San Bernardino County: $2,368 a month
Without a mortgage
$726 a month
San Bernardino County: $678 a month
Owners with a mortgage
78%
San Bernardino County: 69%
Owning costs more in Fontana: with a mortgage, the typical cost is $2,608 a month; in San Bernardino County, $2,368. Without one, $726.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fontana+58%
San Bernardino County+54%
California+46%
United States+53%
Typical rent
Fontana+37%
San Bernardino County+40%
California+36%
United States+33%
Typical household income
Fontana+41%
San Bernardino County+35%
California+32%
United States+29%
Change since 2015–2019: Fontana and its comparisons
Measure
Fontana
San Bernardino County
California
United States
Typical home value
+58%
+54%
+46%
+53%
Typical rent
+37%
+40%
+36%
+33%
Typical household income
+41%
+35%
+32%
+29%
The typical home value in Fontana rose 58% since 2015–2019, more than in San Bernardino County (54%).
The typical rent in Fontana rose 37% over the same time; in San Bernardino County, it rose 40%.
To compare: typical income in Fontana rose 41%; the home, +58%; the rent, +37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fontana and its comparisons
Measure
Fontana
San Bernardino County
California
United States
Rental vacancy
1.7%
3.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
13.4%
9.3%
8.2%
3.4%
People per household
3.66
3.20
2.84
2.53
Drive alone
73%
74%
66%
69%
Carpool
11%
11%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
1%
2%
3%
3%
Work from home
13%
11%
17%
15%
Other means
1%
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is little rental housing open in Fontana: only 1.7% is empty and offered for rent, against 3.4% in San Bernardino County.
More than one person per room: that is how 13.4% of households in Fontana live, more than in San Bernardino County (9.3%).
More people live in each home here: 3.66 on average, against 3.20 in San Bernardino County.
The car rules in Fontana: 73% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Fontana?
A typical home costs more than the typical income allows
We start with a typical home in Fontana, worth $586,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Fontana, which is $102,821 a year. For that payment to be 28% of income, a household would need to earn about $206,066 a year.
The calculator's FHA and conventional loan limits are those of all of San Bernardino County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Fontana. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $20,538 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$4,808
at 7.18% · 30 years
Loan amount
$576,172
Total interest
$828,976
Paid off in
November 2056
Includes $9,910 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,399 a month
Tight
$2,399 to $3,085 a month
Hard
more than $3,085 a month
Your payment · 56%
Compared with the typical household income in Fontana ($102,821 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,903
Property tax
$401
Home insurance
$245
FHA mortgage insurance (MIP)
$260
You need at least $20,538 for the down payment, plus closing costs.
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.
Total monthly payment $4,808; principal and interest $3,903.
The city and its county
Fontana and San Bernardino County
Fontana 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).
Fontana
Map of San Bernardino County, California, with Fontana marked. Around it, the neighboring counties.
Fontana
San Bernardino County
Other cities with a page
Fontana's own numbers
Typical home value
$586,800
Typical monthly rent
$1,839
Typical yearly household income
$102,821
Households that own their home
67%
Effective property tax rate
0.82%
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.
A typical home in Fontana is worth $586,800: 16% above the county and 20% below California. With the typical household income in Fontana ($102,821 a year), a typical home costs 5.7 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.
Fontana5.7 years
San Bernardino5.9 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in San Bernardino County, 2016 to 2025
2016: +6.8% +6.8% 2016
2017: +7.4% +7.4% 2017
2018: +7.0% +7.0% 2018
2019: +4.4% +4.4% 2019
2020: +4.0% +4.0% 2020
2021: +17.4% +17.4% 2021
2022: +18.6% +18.6% 2022
2023: +2.7% +2.7% 2023
2024: +5.3% +5.3% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in San Bernardino County, California and the United States
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
Fontana 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
Fontana$586,800
San Bernardino$505,000
California$734,700
United States$332,700
Typical monthly rent
Fontana$1,839
San Bernardino$1,801
California$2,036
United States$1,413
Typical yearly household income
Fontana$102,821
San Bernardino$85,478
California$99,122
United States$80,734
See the full table
Fontana next to San Bernardino County and California
Measure
Fontana
San Bernardino County
California
U.S.
Typical home value
$586,800 ▲16% above the county
$505,000
$734,700
$332,700
Typical monthly rent
$1,839 ▲2% above the county
$1,801
$2,036
$1,413
Typical yearly household income
$102,821 ▲20% above the county
$85,478
$99,122
$80,734
Households that own their home
67% ▲5 points above the county
62%
56%
65%
Typical yearly property tax
$4,801 ▲36% above the county
$3,538
$5,124
$3,119
Effective property tax rate
0.82% ▲0.12 points above the county
0.7%
0.7%
0.94%
Renters with high rent for their income
54% ▼5 points below the county
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 Fontana
For a typical $586,800 home in Fontana, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fontana's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,808a month
Least cash to close
Down payment
$20,538
Cash to close
$38,142
Rate
7.18%
Mortgage insurance
FHA MIP · $260
Conventional, 5% down$4,701a month
Down payment
$29,340
Cash to close
$46,944
Rate
7.18%
Mortgage insurance
PMI · $279
Conventional, 20% down, no PMI$3,826a month
Down payment
$117,360
Cash to close
$134,964
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,368a month
Down payment
$88,020
Cash to close
$105,624
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fontana
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,808
$20,538
$576,172
7.18%
FHA MIP · $260
$38,142
580
Conventional, 5% down
$4,701
$29,340
$557,460
7.18%
PMI · $279
$46,944
620*
Conventional, 20% down, no PMI
$3,826
$117,360
$469,440
7.18%
None
$134,964
620*
ITIN, 15% down (example)
$4,368
$88,020
$498,780
8.18%
None
$105,624
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% 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.
Typical rent in Fontana is $1,839 a month: 2% above the county. In Fontana, 54% 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.
HUD fair market rent in San Bernardino County (Fiscal year 2027)
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 Fontana
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fontana has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,150 in 92335 to $2,560 in 92336.
3 of the 3 are above the fair market rent for San Bernardino County ($2,103).
2-bedroom fair market rent in each of the 3 ZIP codes of Fontana, beside the one for San Bernardino County. For 2 bedrooms it runs from $2,150 in 92335 to $2,560 in 92336. 3 of the 3 are above the fair market rent for San Bernardino County ($2,103).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,103
Lowest: $2,150 (92335)Highest: $2,560 (92336)
Fair market rent by ZIP code and size in Fontana, fiscal year 2027.
92335
$1,640
$1,740
$2,150
$2,830
$3,410
92336
$1,950
$2,080
$2,560
$3,370
$4,060
92337
$1,920
$2,040
$2,520
$3,320
$4,000
ZIP code2 bd3 bd
92335 $2,150$2,830
92336 $2,560$3,370
92337 $2,520$3,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fontana 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Fontana or San Bernardino County. The ones below are statewide in California: they work in Fontana the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Fontana or San Bernardino County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
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.
Short answers with the numbers for Fontana 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 Fontana?
The typical home value in Fontana is $586,800, 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 Fontana?
Typical rent in Fontana is $1,839 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 Fontana?
Fontana 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 Fontana?
The typical homeowner in Fontana pays $4,801 a year, according to the U.S. Census Bureau. That is 0.82% 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 Fontana?
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.
