Español

Este sitio también está en español. Leer en español

County in California

San Bernardino County, California

San Bernardino County, in California, has 2,197,104 residents: No. 5 of 58 by population. San Bernardino County has an FHA limit of $690,000 for one-unit homes. The typical home value here is $505,000. HUD's Fair Market Rent for a 2-bedroom apartment is $2,103 a month; to pay it without spending more than 30% of your income, you need to earn about $40.44 an hour.

WhatsApp

  • Typical home price

    $505,000

    −31% vs. California +52% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • San Bernardino
    • California
    • United States

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

  • Fair market rent, 2 bedrooms

    $2,103 a month

    −20% vs. California +20% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • San Bernardino
    • California
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $690,000

    FHA high-cost area

    The most you can borrow with an FHA loan for a one-unit home here.

    • San Bernardino
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    0.70% of value per year

    Same as California −26% vs. U.S.

    $3,538 a year for the typical owner

    • San Bernardino
    • California
    • United States

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

Market now, with Zillow data

Zillow data
Typical home value
$548,565
0.9% more than 12 months ago
Typical rent
$2,479 a month
3.1% more than 12 months ago

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

Data from October 2026

In short

What is housing like in San Bernardino County today?

The monthly payment on a typical home with FHA would be about $4,087, that is, 57% of the typical household income in San Bernardino County. For that payment to be 28% of income, a household would need to earn about $175,176 a year; the typical income here is $85,478. Homes here are worth 31% less than the average across California. Here 62% of households live in a home they own; across California it is 56%. The typical property tax is $3,538 a year (about 0.7% of home value), lower than in California.

Renting is a stretch: 59% of renters put 30% or more of their income toward housing.

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

Only here

What sets San Bernardino County apart

  1. Nearby, in Imperial County, the typical rent is $1,056: 41% less than in San Bernardino County ($1,801).

  2. Among the neighboring counties, Imperial County has the lowest typical home value ($309,600), 39% below the $505,000 in San Bernardino County.

  3. From 2020 to 2025, home prices in San Bernardino County rose 52% on FHFA's index, faster than in California (40%).

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in San Bernardino County

What homes there are in San Bernardino County, 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 San Bernardino County, 7 in 10 homes are single-family detached houses; in California, 6.

Year built

Here half of the homes date from 1983 or later; in California, from 1976 or later.

Homes in San Bernardino County are bigger: 64% have 3 bedrooms or more; in California, 55%.

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 74% of owner-occupied homes in San Bernardino County are worth less than the FHA loan limit for this county ($690,000).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for this county is $2,103: about 65% of rents in San Bernardino County are below it.

With a mortgage

$2,368 a month

California: $2,946 a month

Without a mortgage

$678 a month

California: $829 a month

Owners with a mortgage

69%

California: 67%

The typical cost for an owner with a mortgage in San Bernardino County is $2,368 a month, less than in California ($2,946); without one, $678.

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 San Bernardino County gained value faster than in California: 54% against 46%.

Since 2015–2019, the typical rent in San Bernardino County rose 40%, more than in California (36%).

The typical household income in San Bernardino County rose 35%: less than home values (+54%) and rent (+40%).

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

MeasureSan Bernardino CountyCaliforniaUnited States
Rental vacancy 3.4%4.2%5.5%
Homeowner vacancy 0.9%0.8%0.9%
More than one person per room 9.3%8.2%3.4%
People per household 3.202.842.53
Drive alone 74%66%69%
Carpool 11%10%9%
Public transit 1%3%3%
Walk or bike 2%3%3%
Work from home 11%17%15%
Other means 1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in San Bernardino County look like those in California: the rental vacancy rate is 3.4%.

More than one person per room: that is how 9.3% of households in San Bernardino County live, more than in California (8.2%).

More people live in each home here: 3.20 on average, against 2.84 in California.

To get to work, 74% of workers in San Bernardino County drive alone; in California, 66%.

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 in San Bernardino County?

A typical home costs more than the typical income allows

We start with a typical home of $505,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income here, which is $85,478 a year. For that payment to be 28% of income, a household would need to earn about $175,176 a year.

Your numbers

Local data
$

Starts at the typical home value in San Bernardino County. 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 $17,675 (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

$4,087

at 7.18% · 30 years

Loan amount
$495,853
Total interest
$713,416
Paid off in
November 2056

Includes $8,528 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,994 a month

  • Tight

    $1,994 to $2,564 a month

  • Hard

    more than $2,564 a month

    Your payment · 57%

Compared with the typical household income in San Bernardino County ($85,478 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,087
Principal & interest$3,359
Property tax$295
Home insurance$210
FHA mortgage insurance (MIP)$223

You need at least $17,675 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.

Buying a home

Buying a home in San Bernardino County

Here you'll see how prices have changed, how San Bernardino County compares with California and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in San Bernardino County rose 103% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here California United States
In 2025 +1.2% +0.8% +2.9%
5 years (2020–2025) +52% +40% +47%
10 years (2015–2025) +103% +80% +85%
See each year's change

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

San Bernardino County compared with California and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical rent a month
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical household income a year
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
San Bernardino compared with California and the United States
MeasureHereCaliforniaU.S.
Residents2,197,10439,287,377334,922,499
Typical home value$505,000$734,700$332,700
Typical household income$85,478$99,122$80,734
Typical rent$1,801$2,036$1,413
Fair Market Rent (2 bedrooms)$2,103$2,632$1,750
Hourly wage to rent a 2-bedroom$40.44$50.62$33.65
Typical property tax$3,538$5,124$3,119
Effective tax rate0.7%0.7%0.94%
Households that own their home62%56%65%
Renters spending 30% or more on rent59%55%51%
FHA limit (1 unit)*$690,000$546,250$541,287

FHA limit: California shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in San Bernardino County

For a typical $505,000 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $4,087 $17,675 $495,853 7.18% FHA MIP · $223 $32,825 580
Conventional, 5% down $3,995 $25,250 $479,750 7.18% PMI · $240 $40,400 620*
Conventional, 20% down, no PMI $3,242 $101,000 $404,000 7.18% None $116,150 620*
ITIN, 15% down (example) $3,709 $75,750 $429,250 8.18% None $90,900 Set by the lender
  • 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.

Everything about buying in San Bernardino County: income, limits and help How much house can I afford? Closing costs

Loan limits

This is a high-cost area, so FHA limits in San Bernardino County are above the national floor. The limit is set for the whole metro area (Riverside-San Bernardino-Ontario, CA). If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $690,000 $832,750
2 units $883,300 $1,066,250
3 units $1,067,750 $1,288,800
4 units $1,326,950 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in San Bernardino County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In San Bernardino County, the typical owner pays $3,538 a year: about 0.70% of the home's value. That is close to the rest of California and less than the national average.

  • San Bernardino 0.70%
  • California 0.70%
  • United States 0.94%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Is there a flood risk?

According to FEMA, in San Bernardino County 1.5% of homes (9,277) are in a high-risk flood zone. Of those homes, 15% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in San Bernardino County

The natural hazards FEMA measures in San Bernardino County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

In San Bernardino County, FEMA rates the natural hazard risk as very high.

To rate it, FEMA weighs the expected loss with social vulnerability and community resilience.

In San Bernardino County, FEMA expects natural hazards to cause $2.1 billion in losses a year, counting buildings, people and crops.

The hazard that would do the most damage to homes and buildings here is inland flooding: about $941 million a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingVery high $941 million a year
  2. EarthquakeVery high $693 million a year
  3. WildfireVery high $139 million a year
  4. TornadoRelatively moderate $2 million a year
  5. Winter weatherRelatively low $4,908 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

San Bernardino County is in climate zone 3B of the home energy code (IECC): hot and dry.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)

  • Summer

    • Before extreme heat: cover windows with drapes or shades, weather-strip doors and windows, and insulate around window air conditioners. Ready.gov (FEMA)
    • Keep the air conditioner's drip pan clean and its drain line flowing: a plugged drain can cause water damage in the house. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Winter

    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)
    • Check that the ground slopes away from the house, so water does not collect around the foundation. EPA

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$35.00$21.81 and $67.03
Plumbers, pipefitters and steamfitters$30.73$23.51 and $55.45
Heating, air conditioning and refrigeration mechanics$30.92$22.48 and $46.11
Roofers$29.83$23.00 and $38.39
Carpenters$34.08$22.32 and $53.83
Painters, construction and maintenance$23.51$18.29 and $39.58
Maintenance and repair workers, general$25.75$18.19 and $38.88

According to BLS, an electrician earns about $35.00 an hour in the Riverside-San Bernardino-Ontario, CA area; a plumber, about $30.73.

These are workers' hourly wages, not the price of a job.

Need help paying for a repair?

Renting

Renting in San Bernardino County

The typical rent in San Bernardino County is $1,801 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

59% of renter households in San Bernardino County spend 30% or more of their income on housing. 31% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
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

Free help in San Bernardino County

Programs and counseling in San Bernardino County

There are 6 HUD-approved housing counseling agencies in San Bernardino County. They can help you get ready to buy, with your credit, with rent, or if you've fallen behind on payments.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A street of one-story houses with trees and palms in Lake Balboa, in Los Angeles's San Fernando Valley.

HUD counseling is free or low-cost

California down payment programs

  1. MyHome Assistance Program

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California

    First-time buyers only. Run by California Housing Finance Agency (CalHFA).

    Deferred Verified November 5, 2026

  2. California Dream For All Shared Appreciation Loan

    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

    First-time buyers only. Run by California Housing Finance Agency (CalHFA).

    Shared appreciation Verified November 5, 2026

  3. MyAccess Program

    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)

    First-time buyers only. Run by California Housing Finance Agency (CalHFA).

    Deferred Verified November 5, 2026

Which programs do I qualify for? See all California programs

Help in Spanish in San Bernardino County

5 of the 6 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.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

  • Housing Authority of the County of San Bernardino Public housing and Section 8 vouchers (909) 890-0644
  • Needles Housing Authority Public housing and Section 8 vouchers (760) 326-3222

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These agencies have an office in San Bernardino County. The full list is on the California counselors page. Official HUD list. Confirm hours and fees with the agency before you go.

  • Inland Empire Resource Center

    325 W Hospitality Ln, San Bernardino · Spanish

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

  • Inland Fair Housing and Mediation Board

    3175 Sedona Ct Ste D, Ontario · Spanish

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

  • Neighborhood Housing Services of the Inland Empire, Inc.

    1845 Business Center Dr Ste 120, San Bernardino · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (909) 884-6891
See every agency in California

Places

Cities in San Bernardino County

Each city has its own page with prices, rents and help. These are the largest.

See all 38 cities of San Bernardino County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with San Bernardino County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in San Bernardino County in 2026?

San Bernardino County has an FHA limit of $690,000 for a one-unit home. For 2 units it's $883,300, for 3 it's $1,067,750 and for 4 it's $1,326,950. It's a high-cost area, so the limit is above the national floor.

What is the conforming loan limit in San Bernardino County?

San Bernardino County has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in San Bernardino County?

The typical home value in San Bernardino County is $505,000 (Average 2020–2024, U.S. Census). Across California it's $734,700.

How much does it cost to rent in San Bernardino County?

San Bernardino County has a typical rent of $1,801 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $2,103 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in San Bernardino County?

About $40.44 an hour working full time (2,080 hours a year), or $84,120 a year, so the fair market rent of $2,103 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).