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City · 9,514 residents · San Bernardino County, California

Mentone , California

In Mentone, a typical home is worth $436,700 and typical rent is $1,472 a month. Compared with all of San Bernardino County, typical rent is 18% lower, the typical home value is 14% lower, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $436,700

    14% below the county

    41% below California

    • Mentone
    • San Bernardino
    • California

  • Typical rent

    $1,472a month

    18% below the county

    28% below California

    • Mentone
    • San Bernardino
    • California

  • Typical household income

    $74,708a year

    13% below the county

    25% below California

    • Mentone
    • San Bernardino
    • California

  • Households that own their home

    68%

    6 points above the county

    12 points above California

    • Mentone
    • San Bernardino
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$515,080
about the same as 12 months ago

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

Mentone 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 Mentone apart

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

  1. Mentone has the 31st largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (70%).

  2. The typical rent in Mentone is $1,472 a month, 18% less than in San Bernardino County as a whole ($1,801).

  3. 68% of households in Mentone own their home, against 62% in San Bernardino County.

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

The homes here

Housing in Mentone

What homes there are in Mentone, 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 Mentone, 7 in 10 homes are single-family detached houses; in San Bernardino County, 7.

In Mentone there are many mobile homes: 13% of homes; in San Bernardino County, 5%.

Year built

By age, homes in Mentone look like those in San Bernardino County: the typical year built is 1981.

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

$2,212 a month

San Bernardino County: $2,368 a month

Without a mortgage

$538 a month

San Bernardino County: $678 a month

Owners with a mortgage

58%

San Bernardino County: 69%

Owning costs less in Mentone: with a mortgage, the typical cost is $2,212 a month; in San Bernardino County, $2,368. Without one, $538.

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 Mentone rose 41% since 2015–2019, less than in San Bernardino County (54%).

Much as in San Bernardino County, the typical rent in Mentone rose 38% since 2015–2019.

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

MeasureMentoneSan 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 2.653.202.842.53
Drive alone 82%74%66%69%
Carpool 7%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 10%11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Mentone are smaller: 2.65 people on average; in San Bernardino County, 3.20.

In Mentone, 82% of workers drive alone to work; in San Bernardino County, 74%.

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 Mentone?

A typical home costs more than the typical income allows

We start with a typical home in Mentone, worth $436,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Mentone, which is $74,708 a year. For that payment to be 28% of income, a household would need to earn about $152,420 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 Mentone. 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 $15,285 (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

$3,557

at 7.18% · 30 years

Loan amount
$428,790
Total interest
$616,928
Paid off in
November 2056

Includes $7,375 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,743 a month

  • Tight

    $1,743 to $2,241 a month

  • Hard

    more than $2,241 a month

    Your payment · 57%

Compared with the typical household income in Mentone ($74,708 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,557
Principal & interest$2,905
Property tax$277
Home insurance$182
FHA mortgage insurance (MIP)$193

You need at least $15,285 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

Mentone and San Bernardino County

Mentone 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).

Mentone's own numbers

Typical home value
$436,700
Typical monthly rent
$1,472
Typical yearly household income
$74,708
Households that own their home
68%
Effective property tax rate
0.76%

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 Mentone

A typical home in Mentone is worth $436,700: 14% below the county and 41% below California. With the typical household income in Mentone ($74,708 a year), a typical home costs 5.8 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.

  • Mentone 5.8 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

Mentone 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
  • Mentone $436,700
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Mentone $1,472
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Mentone $74,708
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Mentone next to San Bernardino County and California
Measure Mentone San Bernardino County California U.S.
Typical home value $436,700 $505,000 $734,700 $332,700
Typical monthly rent $1,472 $1,801 $2,036 $1,413
Typical yearly household income $74,708 $85,478 $99,122 $80,734
Households that own their home 68% 62% 56% 65%
Typical yearly property tax $3,338 $3,538 $5,124 $3,119
Effective property tax rate 0.76% 0.7% 0.7% 0.94%
Renters with high rent for their income 70% 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 Mentone

For a typical $436,700 home in Mentone, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mentone's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,556a month

    Least cash to close
    Down payment
    $15,285
    Cash to close
    $28,386
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $193

  • Conventional, 5% down $3,476a month

    Down payment
    $21,835
    Cash to close
    $34,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,825a month

    Down payment
    $87,340
    Cash to close
    $100,441
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,229a month

    Down payment
    $65,505
    Cash to close
    $78,606
    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 Mentone and for San Bernardino County.

Property tax

Effective rate in Mentone

0.76%of the home’s value each year

$3,338 a year for the typical owner in Mentone.

  • Mentone 0.76%
  • 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 Mentone

Typical rent in Mentone is $1,472 a month: 18% below the county. In Mentone, 70% 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 Mentone

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mentone has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,990 in 92359 to $2,400 in 92374.

1 of the 2 is above the fair market rent for San Bernardino County ($2,103).

  • 92359 $1,990$2,630
  • 92374 $2,400$3,160

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mentone 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 Mentone

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Mentone

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

The HUD-approved agencies closest to the center of Mentone, 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 · 10 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 · 10 miles away · Spanish

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

  • Nid-Hca Riverside / San Bernardino County

    23945 Sunnymead Blvd, Moreno Valley · 11 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 Mentone

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 Mentone

HUD’s record names them for Mentone 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 Mentone, 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 Mentone.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Mentone

Short answers with the numbers for Mentone 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 Mentone?

The typical home value in Mentone is $436,700, 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 Mentone?

Typical rent in Mentone is $1,472 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 Mentone?

Mentone 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 Mentone?

The typical homeowner in Mentone pays $3,338 a year, according to the U.S. Census Bureau. That is 0.76% 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 Mentone?

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).