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City · 25,122 residents · San Bernardino County, California

Loma Linda , California

In Loma Linda, a typical home is worth $596,900 and typical rent is $1,855 a month. Compared with all of San Bernardino County, the typical home value is 18% higher and the share of households that own their home is 24 points lower.

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  • Typical home value

    $596,900

    18% above the county

    19% below California

    • Loma Linda
    • San Bernardino
    • California

  • Typical rent

    $1,855a month

    3% above the county

    9% below California

    • Loma Linda
    • San Bernardino
    • California

  • Typical household income

    $82,353a year

    4% below the county

    17% below California

    • Loma Linda
    • San Bernardino
    • California

  • Households that own their home

    38%

    24 points below the county

    18 points below California

    • Loma Linda
    • San Bernardino
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$640,784
1.8% more than 12 months ago
Typical rent
$2,317 a month
2.5% more than 12 months ago

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

Loma Linda 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 Loma Linda apart

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

  1. 38% of households in Loma Linda own their home, against 62% in San Bernardino County.

  2. Nearby, in Colton, the typical home value is $443,800: 26% less than in Loma Linda ($596,900).

  3. Nearby, in Highgrove, the typical rent is $1,463: 21% less than in Loma Linda ($1,855).

  4. The typical home in Loma Linda is worth $596,900, 18% more than in San Bernardino County as a whole ($505,000).

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

The homes here

Housing in Loma Linda

What homes there are in Loma Linda, 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 Loma Linda there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in San Bernardino County, 70%.

Year built

By age, homes in Loma Linda look like those in San Bernardino County: the typical year built is 1984.

There are fewer big homes in Loma Linda than in San Bernardino County: 44% have 3 bedrooms or more, against 64%.

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

$2,767 a month

San Bernardino County: $2,368 a month

Without a mortgage

$832 a month

San Bernardino County: $678 a month

Owners with a mortgage

64%

San Bernardino County: 69%

In Loma Linda, 64% of owners have a mortgage, and their typical cost is $2,767 a month, against $2,368 in San Bernardino County. Without one it drops to $832.

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

From 2015–2019 to 2020–2024, the typical home value in Loma Linda rose 63%; in San Bernardino County, it rose 54%.

The typical rent in Loma Linda rose 39% since 2015–2019, about the same as in San Bernardino County (40%).

While home values in Loma Linda changed +63% and rent +39%, the typical household income rose 48%.

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

MeasureLoma LindaSan 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 5.3%9.3%8.2%3.4%
People per household 2.573.202.842.53
Drive alone 67%74%66%69%
Carpool 10%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 8%2%3%3%
Work from home 14%11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Loma Linda, 5.3% of households live with more than one person per room, against 9.3% in San Bernardino County.

Households in Loma Linda are smaller: 2.57 people on average; in San Bernardino County, 3.20.

Many here get to work on foot or by bike: 8%, more than in San Bernardino County (2%).

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 Loma Linda?

A typical home costs more than the typical income allows

We start with a typical home in Loma Linda, worth $596,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 71% of the typical household income in Loma Linda, which is $82,353 a year. For that payment to be 28% of income, a household would need to earn about $208,547 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 Loma Linda. 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 $20,892 (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

$4,866

at 7.18% · 30 years

Loan amount
$586,088
Total interest
$843,243
Paid off in
November 2056

Includes $10,080 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,922 a month

  • Tight

    $1,922 to $2,471 a month

  • Hard

    more than $2,471 a month

    Your payment · 71%

Compared with the typical household income in Loma Linda ($82,353 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,866
Principal & interest$3,970
Property tax$383
Home insurance$249
FHA mortgage insurance (MIP)$264

You need at least $20,892 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

Loma Linda and San Bernardino County

Loma Linda 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).

Loma Linda's own numbers

Typical home value
$596,900
Typical monthly rent
$1,855
Typical yearly household income
$82,353
Households that own their home
38%
Effective property tax rate
0.77%

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 Loma Linda

A typical home in Loma Linda is worth $596,900: 18% above the county and 19% below California. With the typical household income in Loma Linda ($82,353 a year), a typical home costs 7.2 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.

  • Loma Linda 7.2 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

Loma Linda 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
  • Loma Linda $596,900
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Loma Linda $1,855
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Loma Linda $82,353
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Loma Linda next to San Bernardino County and California
Measure Loma Linda San Bernardino County California U.S.
Typical home value $596,900 $505,000 $734,700 $332,700
Typical monthly rent $1,855 $1,801 $2,036 $1,413
Typical yearly household income $82,353 $85,478 $99,122 $80,734
Households that own their home 38% 62% 56% 65%
Typical yearly property tax $4,603 $3,538 $5,124 $3,119
Effective property tax rate 0.77% 0.7% 0.7% 0.94%
Renters with high rent for their income 58% 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 Loma Linda

For a typical $596,900 home in Loma Linda, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Loma Linda's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,866a month

    Least cash to close
    Down payment
    $20,892
    Cash to close
    $38,799
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $264

  • Conventional, 5% down $4,757a month

    Down payment
    $29,845
    Cash to close
    $47,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $284

  • Conventional, 20% down, no PMI $3,867a month

    Down payment
    $119,380
    Cash to close
    $137,287
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,418a month

    Down payment
    $89,535
    Cash to close
    $107,442
    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 Loma Linda and for San Bernardino County.

Property tax

Effective rate in Loma Linda

0.77%of the home’s value each year

$4,603 a year for the typical owner in Loma Linda.

  • Loma Linda 0.77%
  • 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 Loma Linda

Typical rent in Loma Linda is $1,855 a month: 3% above the county. In Loma Linda, 58% 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 Loma Linda

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Loma Linda has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,060 in 92350 to $2,100 in 92324.

None is above the fair market rent for San Bernardino County ($2,103).

  • 92324 $2,100$2,770
  • 92350 $2,060$2,720
  • 92354 $2,060$2,720

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

HUD lists 4 buildings with rents for lower incomes in Loma Linda. These are the largest.

  • Loma Linda Commons 10799 Poplar St, Loma Linda 92354 120 homes, 118 low-income · 2 bd: 60 · 3 bd: 60 · In service since 2011 · For families
  • Loma Linda Veterans Village (loma Linda Vets) 25281 Van Leuven St, Loma Linda 92354 87 homes, 86 low-income · 1 bd: 18 · 2 bd: 51 · 3 bd: 18 · In service since 2018 · For families, people experiencing homelessness
  • Loma Linda Terrace 10846 Poplar St, Loma Linda 92354 50 homes, 49 low-income · 1 bd: 35 · 2 bd: 15 · In service since 2013 · For older adults
  • Poplar Street Apts 10777 Poplar St, Loma Linda 92354 44 homes, 43 low-income · 1 bd: 6 · 2 bd: 20 · 3 bd: 12 · 4 bd: 6 · In service since 2009 · For families

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

Free help

Help to buy or rent in Loma Linda

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Loma Linda

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

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

  • Neighborhood Housing Services of the Inland Empire, Inc.

    1845 Business Center Dr Ste 120, San Bernardino · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (909) 884-6891

  • Inland Empire Resource Center

    325 W Hospitality Ln, San Bernardino · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (909) 887-8700

  • Credit.org

    1825 Chicago Ave, Riverside · 7 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

Every agency in San Bernardino County All counseling agencies in California

Help in Spanish near Loma Linda

3 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 Loma Linda

HUD’s record names them for Loma Linda 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 Loma Linda, 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 Loma Linda.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Loma Linda

Short answers with the numbers for Loma Linda 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 Loma Linda?

The typical home value in Loma Linda is $596,900, 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 Loma Linda?

Typical rent in Loma Linda is $1,855 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 Loma Linda?

Loma Linda 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 Loma Linda?

The typical homeowner in Loma Linda pays $4,603 a year, according to the U.S. Census Bureau. That is 0.77% 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 Loma Linda?

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).