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City · 6,234 residents · San Bernardino County, California

Joshua Tree , California

In Joshua Tree, a typical home is worth $334,200 and typical rent is $1,246 a month. Compared with all of San Bernardino County, the typical home value is 34% lower and typical rent is 31% lower.

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  • Typical home value

    $334,200

    34% below the county

    55% below California

    • Joshua Tree
    • San Bernardino
    • California

  • Typical rent

    $1,246a month

    31% below the county

    39% below California

    • Joshua Tree
    • San Bernardino
    • California

  • Typical household income

    $66,291a year

    22% below the county

    33% below California

    • Joshua Tree
    • San Bernardino
    • California

  • Households that own their home

    66%

    3 points above the county

    10 points above California

    • Joshua Tree
    • San Bernardino
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$347,555
2.4% more than 12 months ago
Typical rent
$2,005 a month
13.6% more than 12 months ago

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

Joshua Tree 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 Joshua Tree apart

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

  1. The typical home in Joshua Tree is worth $334,200, 34% less than in San Bernardino County as a whole ($505,000).

  2. The typical rent in Joshua Tree is $1,246 a month, 31% less than in San Bernardino County as a whole ($1,801).

  3. Nearby, in Garnet, the typical home value is $267,900: 20% less than in Joshua Tree ($334,200).

  4. The typical household income in Joshua Tree is $66,291, 22% less than in San Bernardino County as a whole ($85,478).

  5. Joshua Tree has the 46th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (69%).

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

The homes here

Housing in Joshua Tree

What homes there are in Joshua Tree, 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 houses, standing on their own, make up 81% of homes here, against 70% in San Bernardino County.

Year built

By age, homes in Joshua Tree look like those in San Bernardino County: the typical year built is 1980.

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

$1,494 a month

San Bernardino County: $2,368 a month

Without a mortgage

$518 a month

San Bernardino County: $678 a month

Owners with a mortgage

59%

San Bernardino County: 69%

The typical cost for an owner with a mortgage in Joshua Tree is $1,494 a month, less than in San Bernardino County ($2,368); without one, $518.

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 Joshua Tree rose 123% since 2015–2019, more than in San Bernardino County (54%).

The typical rent in Joshua Tree stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureJoshua TreeSan 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 Unreliable estimate9.3%8.2%3.4%
People per household 2.353.202.842.53
Drive alone 63%74%66%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 27%11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Joshua Tree are smaller: 2.35 people on average; in San Bernardino County, 3.20.

In Joshua Tree, 27% of workers work from home, more than 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 Joshua Tree?

A typical home costs more than the typical income allows

We start with a typical home in Joshua Tree, worth $334,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Joshua Tree, which is $66,291 a year. For that payment to be 28% of income, a household would need to earn about $114,735 a year.

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 Joshua Tree. 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 $11,697 (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

$2,677

at 7.18% · 30 years

Loan amount
$328,147
Total interest
$472,126
Paid off in
November 2056

Includes $5,644 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,547 a month

  • Tight

    $1,547 to $1,989 a month

  • Hard

    more than $1,989 a month

    Your payment · 48%

Compared with the typical household income in Joshua Tree ($66,291 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,677
Principal & interest$2,223
Property tax$167
Home insurance$139
FHA mortgage insurance (MIP)$148

You need at least $11,697 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

Joshua Tree and San Bernardino County

Joshua Tree 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).

Joshua Tree's own numbers

Typical home value
$334,200
Typical monthly rent
$1,246
Typical yearly household income
$66,291
Households that own their home
66%
Effective property tax rate
0.6%

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 Joshua Tree

A typical home in Joshua Tree is worth $334,200: 34% below the county and 55% below California. With the typical household income in Joshua Tree ($66,291 a year), a typical home costs 5.0 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.

  • Joshua Tree 5.0 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

Joshua Tree 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
  • Joshua Tree $334,200
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Joshua Tree $1,246
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Joshua Tree $66,291
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Joshua Tree next to San Bernardino County and California
Measure Joshua Tree San Bernardino County California U.S.
Typical home value $334,200 $505,000 $734,700 $332,700
Typical monthly rent $1,246 $1,801 $2,036 $1,413
Typical yearly household income $66,291 $85,478 $99,122 $80,734
Households that own their home 66% 62% 56% 65%
Typical yearly property tax $1,993 $3,538 $5,124 $3,119
Effective property tax rate 0.6% 0.7% 0.7% 0.94%
Renters with high rent for their income 69% 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 Joshua Tree

For a typical $334,200 home in Joshua Tree, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Joshua Tree's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,677a month

    Least cash to close
    Down payment
    $11,697
    Cash to close
    $21,723
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $148

  • Conventional, 5% down $2,616a month

    Down payment
    $16,710
    Cash to close
    $26,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $159

  • Conventional, 20% down, no PMI $2,118a month

    Down payment
    $66,840
    Cash to close
    $76,866
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,427a month

    Down payment
    $50,130
    Cash to close
    $60,156
    Rate
    8.18%
    Mortgage insurance
    None

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.

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 Joshua Tree and for San Bernardino County.

Property tax

Effective rate in Joshua Tree

0.6%of the home’s value each year

$1,993 a year for the typical owner in Joshua Tree.

  • Joshua Tree 0.6%
  • 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 Joshua Tree

Typical rent in Joshua Tree is $1,246 a month: 31% below the county. In Joshua Tree, 69% 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 Joshua Tree

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Joshua Tree is in ZIP code 92252.

For 2 bedrooms it is $1,990: $113 less than the fair market rent for San Bernardino County ($2,103).

  • 92252 $1,990$2,630

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Joshua Tree 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?

Low-income apartments

Low-income apartments in Joshua Tree

HUD lists one building with rents for lower incomes in Joshua Tree.

  • Yucca Trails Apts 61451 Verbena Rd, Joshua Tree 92252 49 low-income homes · 1 bd: 4 · 2 bd: 46 · In service since 2012

See all 153 buildings in San Bernardino County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Joshua Tree

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Joshua Tree

No down payment, repair or rent-help program on our list is for Joshua Tree or San Bernardino County. The ones below are statewide in California: they work in Joshua Tree 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 Joshua Tree

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

  • Fair Housing Council of Riverside County, Inc.- Palm Springs

    190 W Amado Rd, Palm Springs · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (760) 864-1541

  • Coachella Valley Housing Coalition

    45701 Monroe St Ste G, Indio · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (760) 347-3157

  • Nid-Hca Riverside / San Bernardino County

    23945 Sunnymead Blvd, Moreno Valley · 55 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (951) 399-4538

Every agency in San Bernardino County All counseling agencies in California

Help in Spanish near Joshua Tree

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 Joshua Tree

HUD’s record names them for Joshua Tree 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 Joshua Tree, 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 Joshua Tree.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Joshua Tree

Short answers with the numbers for Joshua Tree 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 Joshua Tree?

The typical home value in Joshua Tree is $334,200, 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 Joshua Tree?

Typical rent in Joshua Tree is $1,246 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 Joshua Tree?

Joshua Tree 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 Joshua Tree?

The typical homeowner in Joshua Tree pays $1,993 a year, according to the U.S. Census Bureau. That is 0.6% 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 Joshua Tree?

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).