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City · 6,977 residents · San Bernardino County, California

Silver Lakes , California

In Silver Lakes, a typical home is worth $383,600 and typical rent is $1,720 a month. Compared with all of San Bernardino County, typical household income is 36% higher, the typical home value is 24% lower, and the share of households that own their home is 23 points higher.

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  • Typical home value

    $383,600

    24% below the county

    48% below California

    • Silver Lakes
    • San Bernardino
    • California

  • Typical rent

    $1,720a month

    4% below the county

    16% below California

    • Silver Lakes
    • San Bernardino
    • California

  • Typical household income

    $115,829a year

    36% above the county

    17% above California

    • Silver Lakes
    • San Bernardino
    • California

  • Households that own their home

    85%

    23 points above the county

    29 points above California

    • Silver Lakes
    • San Bernardino
    • California

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

Silver Lakes 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 Silver Lakes apart

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

  1. 85% of households in Silver Lakes own their home, against 62% in San Bernardino County.

  2. Nearby, in Barstow, the typical rent is $1,091: 37% less than in Silver Lakes ($1,720).

  3. Nearby, in Barstow, the typical home value is $245,000: 36% less than in Silver Lakes ($383,600).

  4. The typical household income in Silver Lakes is $115,829, 36% more than in San Bernardino County as a whole ($85,478).

  5. The typical home in Silver Lakes is worth $383,600, 24% less than in San Bernardino County as a whole ($505,000).

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

The homes here

Housing in Silver Lakes

What homes there are in Silver Lakes, 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, standing on their own, make up 87% of homes here, against 70% in San Bernardino County.

Year built

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

$2,159 a month

San Bernardino County: $2,368 a month

Without a mortgage

$828 a month

San Bernardino County: $678 a month

Owners with a mortgage

64%

San Bernardino County: 69%

In Silver Lakes, 64% of owners have a mortgage, and their typical cost is $2,159 a month, against $2,368 in San Bernardino County. Without one it drops to $828.

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 Silver Lakes rose 68%; in San Bernardino County, it rose 54%.

Since 2015–2019, the typical rent in Silver Lakes did not change clearly, according to the Census.

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

MeasureSilver LakesSan 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 2.953.202.842.53
Drive alone 81%74%66%69%
Carpool Unreliable estimate11%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

Households in Silver Lakes are smaller: 2.95 people on average; in San Bernardino County, 3.20.

In Silver Lakes, 81% 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 Silver Lakes?

A typical home is tight for the typical income

We start with a typical home in Silver Lakes, worth $383,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Silver Lakes, which is $115,829 a year. For that payment to be 28% of income, a household would need to earn about $134,845 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 Silver Lakes. 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 $13,426 (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

$3,146

at 7.18% · 30 years

Loan amount
$376,652
Total interest
$541,914
Paid off in
November 2056

Includes $6,478 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,703 a month

  • Tight

    $2,703 to $3,475 a month

    Your payment · 33%

  • Hard

    more than $3,475 a month

Compared with the typical household income in Silver Lakes ($115,829 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,146
Principal & interest$2,552
Property tax$265
Home insurance$160
FHA mortgage insurance (MIP)$170

You need at least $13,426 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

Silver Lakes and San Bernardino County

Silver Lakes 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).

Silver Lakes's own numbers

Typical home value
$383,600
Typical monthly rent
$1,720
Typical yearly household income
$115,829
Households that own their home
85%
Effective property tax rate
0.83%

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 Silver Lakes

A typical home in Silver Lakes is worth $383,600: 24% below the county and 48% below California. With the typical household income in Silver Lakes ($115,829 a year), a typical home costs 3.3 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.

  • Silver Lakes 3.3 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

Silver Lakes 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
  • Silver Lakes $383,600
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Silver Lakes $1,720
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Silver Lakes $115,829
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Silver Lakes next to San Bernardino County and California
Measure Silver Lakes San Bernardino County California U.S.
Typical home value $383,600 $505,000 $734,700 $332,700
Typical monthly rent $1,720 $1,801 $2,036 $1,413
Typical yearly household income $115,829 $85,478 $99,122 $80,734
Households that own their home 85% 62% 56% 65%
Typical yearly property tax $3,188 $3,538 $5,124 $3,119
Effective property tax rate 0.83% 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 Silver Lakes

For a typical $383,600 home in Silver Lakes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Silver Lakes's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,146a month

    Least cash to close
    Down payment
    $13,426
    Cash to close
    $24,934
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $170

  • Conventional, 5% down $3,076a month

    Down payment
    $19,180
    Cash to close
    $30,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $182

  • Conventional, 20% down, no PMI $2,504a month

    Down payment
    $76,720
    Cash to close
    $88,228
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,859a month

    Down payment
    $57,540
    Cash to close
    $69,048
    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 Silver Lakes and for San Bernardino County.

Property tax

Effective rate in Silver Lakes

0.83%of the home’s value each year

$3,188 a year for the typical owner in Silver Lakes.

  • Silver Lakes 0.83%
  • 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 Silver Lakes

Typical rent in Silver Lakes is $1,720 a month: 4% 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 Silver Lakes

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Silver Lakes is in ZIP code 92342.

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

  • 92342 $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 Silver Lakes 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 Silver Lakes

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 Silver Lakes

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

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

  • Nid-Hca Victorville

    14318 California Ave, Victorville · 16 miles away

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

  • Nid-Hca Palmdale

    520 W. Palmdale Blvd, Suite J, Palmdale · 47 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (661) 526-4013

  • Neighborhood Housing Services of the Inland Empire, Inc.

    1845 Business Center Dr Ste 120, San Bernardino · 47 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (909) 884-6891

Every agency in San Bernardino County All counseling agencies in California

Help in Spanish near Silver Lakes

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 Silver Lakes

HUD’s record names them for Silver Lakes 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 Silver Lakes, 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 Silver Lakes.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Silver Lakes

Short answers with the numbers for Silver Lakes 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 Silver Lakes?

The typical home value in Silver Lakes is $383,600, 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 Silver Lakes?

Typical rent in Silver Lakes is $1,720 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 Silver Lakes?

Silver Lakes 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 Silver Lakes?

The typical homeowner in Silver Lakes pays $3,188 a year, according to the U.S. Census Bureau. That is 0.83% 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 Silver Lakes?

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).