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City · 222,724 residents · San Bernardino County, California

San Bernardino , California

In San Bernardino, a typical home is worth $422,300 and typical rent is $1,508 a month. Compared with all of San Bernardino County, typical household income is 21% lower, the typical home value is 16% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $422,300

    16% below the county

    43% below California

    • San Bernardino
    • County
    • California

  • Typical rent

    $1,508a month

    16% below the county

    26% below California

    • San Bernardino
    • County
    • California

  • Typical household income

    $67,415a year

    21% below the county

    32% below California

    • San Bernardino
    • County
    • California

  • Households that own their home

    50%

    12 points below the county

    6 points below California

    • San Bernardino
    • County
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$492,859
2.3% more than 12 months ago
Typical rent
$1,971 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).

San Bernardino 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 San Bernardino apart

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

  1. The typical household income in San Bernardino is $67,415, 21% less than in San Bernardino County as a whole ($85,478).

  2. 50% of households in San Bernardino own their home, against 62% in San Bernardino County.

  3. The typical home in San Bernardino is worth $422,300, 16% less than in San Bernardino County as a whole ($505,000).

  4. The typical rent in San Bernardino is $1,508 a month, 16% less than in San Bernardino County as a whole ($1,801).

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

The homes here

Housing in San Bernardino

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

Year built

In San Bernardino, half of the homes were built before 1973; in San Bernardino County, before 1983.

Homes in San Bernardino are smaller: 51% have 3 bedrooms or more; in San Bernardino County, 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

By price, most homes in San Bernardino sit under the FHA limit for San Bernardino County ($690,000): about 90%.

Monthly rent with utilities

By rent, most homes in San Bernardino cost less than HUD's 2-bedroom fair market rent ($2,103): about 80%.

With a mortgage

$2,083 a month

San Bernardino County: $2,368 a month

Without a mortgage

$560 a month

San Bernardino County: $678 a month

Owners with a mortgage

68%

San Bernardino County: 69%

Owning costs less in San Bernardino: with a mortgage, the typical cost is $2,083 a month; in San Bernardino County, $2,368. Without one, $560.

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 San Bernardino rose 69%; in San Bernardino County, it rose 54%.

The typical rent in San Bernardino rose 42% since 2015–2019, about the same as in San Bernardino County (40%).

While home values in San Bernardino changed +69% and rent +42%, the typical household income rose 47%.

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 BernardinoSan Bernardino CountyCaliforniaUnited States
Rental vacancy 2.3%3.4%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room 14.2%9.3%8.2%3.4%
People per household 3.363.202.842.53
Drive alone 77%74%66%69%
Carpool 13%11%10%9%
Public transit 1%1%3%3%
Walk or bike 1%2%3%3%
Work from home 6%11%17%15%
Other means 2%1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In San Bernardino, the rental vacancy rate is 2.3%; in San Bernardino County, 3.4%.

More households are short on space in San Bernardino: 14.2% have more than one person per room; in San Bernardino County, 9.3%.

Much as in San Bernardino County, a household in San Bernardino has 3.36 people on average.

To get to work, 77% of workers in San Bernardino 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 San Bernardino?

A typical home costs more than the typical income allows

We start with a typical home in San Bernardino, worth $422,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in San Bernardino, which is $67,415 a year. For that payment to be 28% of income, a household would need to earn about $145,131 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 San Bernardino. 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 $14,781 (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

$3,386

at 7.18% · 30 years

Loan amount
$414,651
Total interest
$596,585
Paid off in
November 2056

Includes $7,132 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,573 a month

  • Tight

    $1,573 to $2,022 a month

  • Hard

    more than $2,022 a month

    Your payment · 60%

Compared with the typical household income in San Bernardino ($67,415 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,386
Principal & interest$2,809
Property tax$215
Home insurance$176
FHA mortgage insurance (MIP)$187

You need at least $14,781 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

San Bernardino and San Bernardino County

San Bernardino 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).

San Bernardino's own numbers

Typical home value
$422,300
Typical monthly rent
$1,508
Typical yearly household income
$67,415
Households that own their home
50%
Effective property tax rate
0.61%

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 San Bernardino

A typical home in San Bernardino is worth $422,300: 16% below the county and 43% below California. With the typical household income in San Bernardino ($67,415 a year), a typical home costs 6.3 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.

  • San Bernardino 6.3 years
  • County 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

San Bernardino 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
  • San Bernardino $422,300
  • County $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • San Bernardino $1,508
  • County $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • San Bernardino $67,415
  • County $85,478
  • California $99,122
  • United States $80,734
See the full table
San Bernardino next to San Bernardino County and California
Measure San Bernardino San Bernardino County California U.S.
Typical home value $422,300 $505,000 $734,700 $332,700
Typical monthly rent $1,508 $1,801 $2,036 $1,413
Typical yearly household income $67,415 $85,478 $99,122 $80,734
Households that own their home 50% 62% 56% 65%
Typical yearly property tax $2,594 $3,538 $5,124 $3,119
Effective property tax rate 0.61% 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 San Bernardino

For a typical $422,300 home in San Bernardino, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Bernardino's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,386a month

    Least cash to close
    Down payment
    $14,781
    Cash to close
    $27,450
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $187

  • Conventional, 5% down $3,309a month

    Down payment
    $21,115
    Cash to close
    $33,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $201

  • Conventional, 20% down, no PMI $2,679a month

    Down payment
    $84,460
    Cash to close
    $97,129
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,070a month

    Down payment
    $63,345
    Cash to close
    $76,014
    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 San Bernardino and for San Bernardino County.

Property tax

Effective rate in San Bernardino

0.61%of the home’s value each year

$2,594 a year for the typical owner in San Bernardino.

  • San Bernardino 0.61%
  • County 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 San Bernardino

Typical rent in San Bernardino is $1,508 a month: 16% below the county. In San Bernardino, 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 San Bernardino

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Bernardino has 9 ZIP codes with their own.

For 2 bedrooms it runs from $1,990 in 92369 to $2,290 in 92407.

1 of the 9 is above the fair market rent for San Bernardino County ($2,103).

  • 92369 $1,990$2,630
  • 92401 $1,990$2,630
  • 92404 $1,990$2,630
  • 92405 $1,990$2,630
  • 92407 $2,290$3,020
  • 92408 $1,990$2,630
  • 92410 $1,990$2,630
  • 92411 $1,990$2,630
  • 92415 $2,040$2,690

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

HUD lists 24 buildings with rents for lower incomes in San Bernardino. These are the largest.

  • Foothill Villas 2631 W 2nd St, San Bernardino 92410 239 low-income homes · For families
  • Meadowbrook Park & Tower Apartments 142 N Sierra Way, San Bernardino 92408 267 homes, 210 low-income · For families
  • Village Green Apts 2122 Chestnut St, San Bernardino 92410 184 homes, 181 low-income · 2 bd: 104 · 3 bd: 80 · In service since 1999 · For families
  • Vintage at Kendall 1095 Kendall Dr, San Bernardino 92407 178 homes, 176 low-income · 1 bd: 105 · 2 bd: 73 · In service since 2013 · For older adults
  • Mountain Breeze Villas 25942 Base Line St, San Bernardino 92410 168 homes, 167 low-income · 1 bd: 56 · 2 bd: 112 · In service since 2014

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

Free help

Help to buy or rent in San Bernardino

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 smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in San Bernardino

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

The HUD-approved agencies closest to the center of San Bernardino, 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 · 5 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 · 5 miles away · Spanish

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

  • Credit.org

    1825 Chicago Ave, Riverside · 11 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 San Bernardino

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 San Bernardino

HUD’s record names them for San Bernardino 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 San Bernardino, 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 San Bernardino.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about San Bernardino

Short answers with the numbers for San Bernardino 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 San Bernardino?

The typical home value in San Bernardino is $422,300, 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 San Bernardino?

Typical rent in San Bernardino is $1,508 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 San Bernardino?

San Bernardino 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 San Bernardino?

The typical homeowner in San Bernardino pays $2,594 a year, according to the U.S. Census Bureau. That is 0.61% 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 San Bernardino?

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).