Español

Este sitio también está en español. Leer en español

City · 37,810 residents · San Bernardino County, California

Montclair , California

In Montclair, a typical home is worth $569,100 and typical rent is $1,889 a month. Compared with all of San Bernardino County, the typical home value is 13% higher, typical household income is 9% lower, and the share of households that own their home is 7 points lower.

WhatsApp

  • Typical home value

    $569,100

    13% above the county

    23% below California

    • Montclair
    • San Bernardino
    • California

  • Typical rent

    $1,889a month

    5% above the county

    7% below California

    • Montclair
    • San Bernardino
    • California

  • Typical household income

    $77,659a year

    9% below the county

    22% below California

    • Montclair
    • San Bernardino
    • California

  • Households that own their home

    55%

    7 points below the county

    1 points below California

    • Montclair
    • San Bernardino
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$653,332
0.6% more than 12 months ago
Typical rent
$2,895 a month
6.1% more than 12 months ago

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

Montclair 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 Montclair apart

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

  1. 55% of households in Montclair own their home, against 62% in San Bernardino County.

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

The homes here

Housing in Montclair

What homes there are in Montclair, 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 are the majority in Montclair (56%), but less so than in San Bernardino County (70%).

Year built

The typical home in Montclair was built in 1969, 14 years before the typical one 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

About 76% of owner-occupied homes in Montclair are worth less than the FHA loan limit for San Bernardino County ($690,000).

Monthly rent with utilities

With a mortgage

$2,227 a month

San Bernardino County: $2,368 a month

Without a mortgage

$638 a month

San Bernardino County: $678 a month

Owners with a mortgage

64%

San Bernardino County: 69%

Owning costs less in Montclair: with a mortgage, the typical cost is $2,227 a month; in San Bernardino County, $2,368. Without one, $638.

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 Montclair rose 61% since 2015–2019, more than in San Bernardino County (54%).

Rents in Montclair rose more slowly than in San Bernardino County: 34% since 2015–2019, against 40%.

The typical household income in Montclair rose 25%: less than home values (+61%) and rent (+34%).

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

MeasureMontclairSan Bernardino CountyCaliforniaUnited States
Rental vacancy 4.4%3.4%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 14.5%9.3%8.2%3.4%
People per household 3.523.202.842.53
Drive alone 75%74%66%69%
Carpool 13%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 7%11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Montclair, the rental vacancy rate is 4.4%, about the same as in San Bernardino County.

More households are short on space in Montclair: 14.5% have more than one person per room; in San Bernardino County, 9.3%.

On average, a household in Montclair has 3.52 people, more than in San Bernardino County (3.20).

To get to work, 75% of workers in Montclair drive alone; 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 Montclair?

A typical home costs more than the typical income allows

We start with a typical home in Montclair, worth $569,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 70% of the typical household income in Montclair, which is $77,659 a year. For that payment to be 28% of income, a household would need to earn about $194,566 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 Montclair. 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 $19,919 (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

$4,540

at 7.18% · 30 years

Loan amount
$558,792
Total interest
$803,970
Paid off in
November 2056

Includes $9,611 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,812 a month

  • Tight

    $1,812 to $2,330 a month

  • Hard

    more than $2,330 a month

    Your payment · 70%

Compared with the typical household income in Montclair ($77,659 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,540
Principal & interest$3,785
Property tax$266
Home insurance$237
FHA mortgage insurance (MIP)$252

You need at least $19,919 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

Montclair and San Bernardino County

Montclair 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).

Montclair's own numbers

Typical home value
$569,100
Typical monthly rent
$1,889
Typical yearly household income
$77,659
Households that own their home
55%
Effective property tax rate
0.56%

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 Montclair

A typical home in Montclair is worth $569,100: 13% above the county and 23% below California. With the typical household income in Montclair ($77,659 a year), a typical home costs 7.3 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.

  • Montclair 7.3 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

Montclair 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
  • Montclair $569,100
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Montclair $1,889
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Montclair $77,659
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Montclair next to San Bernardino County and California
Measure Montclair San Bernardino County California U.S.
Typical home value $569,100 $505,000 $734,700 $332,700
Typical monthly rent $1,889 $1,801 $2,036 $1,413
Typical yearly household income $77,659 $85,478 $99,122 $80,734
Households that own their home 55% 62% 56% 65%
Typical yearly property tax $3,177 $3,538 $5,124 $3,119
Effective property tax rate 0.56% 0.7% 0.7% 0.94%
Renters with high rent for their income 63% 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 Montclair

For a typical $569,100 home in Montclair, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Montclair's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,540a month

    Least cash to close
    Down payment
    $19,919
    Cash to close
    $36,992
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $252

  • Conventional, 5% down $4,436a month

    Down payment
    $28,455
    Cash to close
    $45,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $270

  • Conventional, 20% down, no PMI $3,587a month

    Down payment
    $113,820
    Cash to close
    $130,893
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,113a month

    Down payment
    $85,365
    Cash to close
    $102,438
    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 Montclair and for San Bernardino County.

Property tax

Effective rate in Montclair

0.56%of the home’s value each year

$3,177 a year for the typical owner in Montclair.

  • Montclair 0.56%
  • 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 Montclair

Typical rent in Montclair is $1,889 a month: 5% above the county. In Montclair, 63% 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 Montclair

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Montclair is in ZIP code 91763.

For 2 bedrooms it is $2,130: $27 more than the fair market rent for San Bernardino County ($2,103).

  • 91763 $2,130$2,810

A ZIP code counts for Montclair 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 Montclair

HUD lists 6 buildings with rents for lower incomes in Montclair. These are the largest.

  • Montclair Senior Housing Project 10355 Mills Ave, Montclair 91763 85 homes, 84 low-income · 1 bd: 84 · 2 bd: 1 · In service since 2009 · For older adults (909) 399-9540
  • Briarwood Manor 9656 Exeter Ave, Montclair 91763 100 homes, 83 low-income · Studio: 58 · 1 bd: 19 · 2 bd: 8 · In service since 2006 · For older adults (909) 624-5041
  • San Antonio Vista Apts 10410 Pradera Ave, Montclair 91763 75 homes, 74 low-income · 2 bd: 50 · 3 bd: 25 · In service since 2007 · For families
  • Vista del Cielo Apts 10319 Mills Ave, Montclair 91763 50 homes, 49 low-income · 1 bd: 1 · 2 bd: 34 · 3 bd: 15 · In service since 2011 · For families
  • Montclair 4 4113 Kingsley St, Montclair 91763 18 homes, 17 low-income · For people with disabilities (909) 993-4497

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

Free help

Help to buy or rent in Montclair

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Montclair

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

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

  • NSC (naca Counseling Subsidiary) - Upland, CA

    205 N 2nd Ave, Upland · 3 miles away · Spanish

    (402) 970-6222

  • Inland Fair Housing and Mediation Board

    3175 Sedona Ct Ste D, Ontario · 7 miles away · Spanish

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

  • Neighborhood Partnership Housing Services, Inc.

    9551 Pittsburgh Ave, Rancho Cucamonga · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (909) 988-5979

Every agency in San Bernardino County All counseling agencies in California

Help in Spanish near Montclair

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 Montclair

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

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Montclair

Short answers with the numbers for Montclair 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 Montclair?

The typical home value in Montclair is $569,100, 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 Montclair?

Typical rent in Montclair is $1,889 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 Montclair?

Montclair 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 Montclair?

The typical homeowner in Montclair pays $3,177 a year, according to the U.S. Census Bureau. That is 0.56% 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 Montclair?

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).