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City · 18,496 residents · San Bernardino County, California

Phelan , California

In Phelan, a typical home is worth $386,800 and typical rent is $1,525 a month. Compared with all of San Bernardino County, the typical home value is 23% lower, typical rent is 15% lower, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $386,800

    23% below the county

    47% below California

    • Phelan
    • San Bernardino
    • California

  • Typical rent

    $1,525a month

    15% below the county

    25% below California

    • Phelan
    • San Bernardino
    • California

  • Typical household income

    $79,914a year

    7% below the county

    19% below California

    • Phelan
    • San Bernardino
    • California

  • Households that own their home

    82%

    20 points above the county

    26 points above California

    • Phelan
    • San Bernardino
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$464,988
1.6% more than 12 months ago

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

Phelan 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 Phelan apart

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

  1. 82% of households in Phelan own their home, against 62% in San Bernardino County.

  2. The typical home in Phelan is worth $386,800, 23% less than in San Bernardino County as a whole ($505,000).

  3. The typical rent in Phelan is $1,525 a month, 15% less than in San Bernardino County as a whole ($1,801).

  4. 10% of households in Phelan have no internet at home (5% in San Bernardino County).

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

The homes here

Housing in Phelan

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

In Phelan there are many mobile homes: 24% of homes; in San Bernardino County, 5%.

Year built

Homes in Phelan are newer: the typical year built is 1991; in San Bernardino County, 1983.

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

$2,020 a month

San Bernardino County: $2,368 a month

Without a mortgage

$597 a month

San Bernardino County: $678 a month

Owners with a mortgage

72%

San Bernardino County: 69%

Owning costs less in Phelan: with a mortgage, the typical cost is $2,020 a month; in San Bernardino County, $2,368. Without one, $597.

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

Since 2015–2019, homes in Phelan gained value faster than in San Bernardino County: 63% against 54%.

Rents in Phelan rose at about the same pace as in San Bernardino County: 38% since 2015–2019, against 40%.

The typical household income in Phelan rose 35% over that time; home values changed +63% and rent +38%.

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

MeasurePhelanSan 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 3.533.202.842.53
Drive alone 77%74%66%69%
Carpool 11%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Phelan has 3.53 people, more than in San Bernardino County (3.20).

To get to work, 77% of workers in Phelan 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 Phelan?

A typical home costs more than the typical income allows

We start with a typical home in Phelan, worth $386,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Phelan, which is $79,914 a year. For that payment to be 28% of income, a household would need to earn about $133,207 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 Phelan. 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 $13,538 (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

$3,108

at 7.18% · 30 years

Loan amount
$379,794
Total interest
$546,435
Paid off in
November 2056

Includes $6,532 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,865 a month

  • Tight

    $1,865 to $2,397 a month

  • Hard

    more than $2,397 a month

    Your payment · 47%

Compared with the typical household income in Phelan ($79,914 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,108
Principal & interest$2,573
Property tax$203
Home insurance$161
FHA mortgage insurance (MIP)$171

You need at least $13,538 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

Phelan and San Bernardino County

Phelan 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).

Phelan's own numbers

Typical home value
$386,800
Typical monthly rent
$1,525
Typical yearly household income
$79,914
Households that own their home
82%
Effective property tax rate
0.63%

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 Phelan

A typical home in Phelan is worth $386,800: 23% below the county and 47% below California. With the typical household income in Phelan ($79,914 a year), a typical home costs 4.8 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.

  • Phelan 4.8 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

Phelan 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
  • Phelan $386,800
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Phelan $1,525
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Phelan $79,914
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Phelan next to San Bernardino County and California
Measure Phelan San Bernardino County California U.S.
Typical home value $386,800 $505,000 $734,700 $332,700
Typical monthly rent $1,525 $1,801 $2,036 $1,413
Typical yearly household income $79,914 $85,478 $99,122 $80,734
Households that own their home 82% 62% 56% 65%
Typical yearly property tax $2,442 $3,538 $5,124 $3,119
Effective property tax rate 0.63% 0.7% 0.7% 0.94%

“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 Phelan

For a typical $386,800 home in Phelan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Phelan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,108a month

    Least cash to close
    Down payment
    $13,538
    Cash to close
    $25,142
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $171

  • Conventional, 5% down $3,037a month

    Down payment
    $19,340
    Cash to close
    $30,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $184

  • Conventional, 20% down, no PMI $2,460a month

    Down payment
    $77,360
    Cash to close
    $88,964
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,818a month

    Down payment
    $58,020
    Cash to close
    $69,624
    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 Phelan and for San Bernardino County.

Property tax

Effective rate in Phelan

0.63%of the home’s value each year

$2,442 a year for the typical owner in Phelan.

  • Phelan 0.63%
  • 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 Phelan

Typical rent in Phelan is $1,525 a month: 15% below the county.

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 Phelan

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Phelan is in ZIP code 92371.

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

  • 92371 $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 Phelan 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 Phelan

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 Phelan

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

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

  • Nid-Hca Victorville

    14318 California Ave, Victorville · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (760) 254-6181

  • NSC (naca Counseling Subsidiary) - Upland, CA

    205 N 2nd Ave, Upland · 25 miles away · Spanish

    (402) 970-6222

  • Neighborhood Partnership Housing Services, Inc.

    9551 Pittsburgh Ave, Rancho Cucamonga · 25 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 Phelan

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 Phelan

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

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Phelan

Short answers with the numbers for Phelan 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 Phelan?

The typical home value in Phelan is $386,800, 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 Phelan?

Typical rent in Phelan is $1,525 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 Phelan?

Phelan 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 Phelan?

The typical homeowner in Phelan pays $2,442 a year, according to the U.S. Census Bureau. That is 0.63% 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 Phelan?

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).