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City · 9,483 residents · San Bernardino County, California

Spring Valley Lake , California

In Spring Valley Lake, a typical home is worth $463,000 and typical rent is $2,350 a month. Compared with all of San Bernardino County, typical rent is 30% higher, the typical home value is 8% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $463,000

    8% below the county

    37% below California

    • Spring Valley Lake
    • San Bernardino
    • California

  • Typical rent

    $2,350a month

    30% above the county

    15% above California

    • Spring Valley Lake
    • San Bernardino
    • California

  • Typical household income

    $82,625a year

    3% below the county

    17% below California

    • Spring Valley Lake
    • San Bernardino
    • California

  • Households that own their home

    74%

    12 points above the county

    18 points above California

    • Spring Valley Lake
    • San Bernardino
    • California

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

Spring Valley Lake 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 Spring Valley Lake apart

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

  1. Nearby, in Adelanto, the typical rent is $1,437: 39% less than in Spring Valley Lake ($2,350).

  2. The typical rent in Spring Valley Lake is $2,350 a month, 30% more than in San Bernardino County as a whole ($1,801).

  3. Nearby, in Adelanto, the typical home value is $349,100: 25% less than in Spring Valley Lake ($463,000).

  4. 74% of households in Spring Valley Lake own their home, against 62% in San Bernardino County.

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

The homes here

Housing in Spring Valley Lake

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

Year built

The typical home in Spring Valley Lake was built in 1987, 4 years after the typical one in San Bernardino County.

There is more room for a big family here: 94% of homes have 3 bedrooms or more, against 64% 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
Monthly rent with utilities

With a mortgage

$2,006 a month

San Bernardino County: $2,368 a month

Without a mortgage

$878 a month

San Bernardino County: $678 a month

Owners with a mortgage

77%

San Bernardino County: 69%

Owning costs less in Spring Valley Lake: with a mortgage, the typical cost is $2,006 a month; in San Bernardino County, $2,368. Without one, $878.

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 Spring Valley Lake rose 65% since 2015–2019, more than in San Bernardino County (54%).

The typical rent in Spring Valley Lake rose 37% over the same time; in San Bernardino County, it rose 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

MeasureSpring Valley LakeSan 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 2.893.202.842.53
Drive alone 74%74%66%69%
Carpool 10%11%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 13%11%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.89 on average, against 3.20 in San Bernardino County.

In Spring Valley Lake, 74% 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 Spring Valley Lake?

A typical home costs more than the typical income allows

We start with a typical home in Spring Valley Lake, worth $463,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Spring Valley Lake, which is $82,625 a year. For that payment to be 28% of income, a household would need to earn about $161,268 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 Spring Valley Lake. 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 $16,205 (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

$3,763

at 7.18% · 30 years

Loan amount
$454,614
Total interest
$654,083
Paid off in
November 2056

Includes $7,819 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,928 a month

  • Tight

    $1,928 to $2,479 a month

  • Hard

    more than $2,479 a month

    Your payment · 55%

Compared with the typical household income in Spring Valley Lake ($82,625 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,763
Principal & interest$3,080
Property tax$286
Home insurance$193
FHA mortgage insurance (MIP)$205

You need at least $16,205 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

Spring Valley Lake and San Bernardino County

Spring Valley Lake 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).

Spring Valley Lake's own numbers

Typical home value
$463,000
Typical monthly rent
$2,350
Typical yearly household income
$82,625
Households that own their home
74%
Effective property tax rate
0.74%

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 Spring Valley Lake

A typical home in Spring Valley Lake is worth $463,000: 8% below the county and 37% below California. With the typical household income in Spring Valley Lake ($82,625 a year), a typical home costs 5.6 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.

  • Spring Valley Lake 5.6 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

Spring Valley Lake 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
  • Spring Valley Lake $463,000
  • San Bernardino $505,000
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Spring Valley Lake $2,350
  • San Bernardino $1,801
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Spring Valley Lake $82,625
  • San Bernardino $85,478
  • California $99,122
  • United States $80,734
See the full table
Spring Valley Lake next to San Bernardino County and California
Measure Spring Valley Lake San Bernardino County California U.S.
Typical home value $463,000 $505,000 $734,700 $332,700
Typical monthly rent $2,350 $1,801 $2,036 $1,413
Typical yearly household income $82,625 $85,478 $99,122 $80,734
Households that own their home 74% 62% 56% 65%
Typical yearly property tax $3,404 $3,538 $5,124 $3,119
Effective property tax rate 0.74% 0.7% 0.7% 0.94%
Renters with high rent for their income 58% 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 Spring Valley Lake

For a typical $463,000 home in Spring Valley Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Spring Valley Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,763a month

    Least cash to close
    Down payment
    $16,205
    Cash to close
    $30,095
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $205

  • Conventional, 5% down $3,678a month

    Down payment
    $23,150
    Cash to close
    $37,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $2,988a month

    Down payment
    $92,600
    Cash to close
    $106,490
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,416a month

    Down payment
    $69,450
    Cash to close
    $83,340
    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 Spring Valley Lake and for San Bernardino County.

Property tax

Effective rate in Spring Valley Lake

0.74%of the home’s value each year

$3,404 a year for the typical owner in Spring Valley Lake.

  • Spring Valley Lake 0.74%
  • 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 Spring Valley Lake

Typical rent in Spring Valley Lake is $2,350 a month: 30% above the county. In Spring Valley Lake, 58% 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 Spring Valley Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Spring Valley Lake is in ZIP code 92395.

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

  • 92395 $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 Spring Valley Lake 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 Spring Valley Lake

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Spring Valley Lake

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

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

  • Nid-Hca Victorville

    14318 California Ave, Victorville · 4 miles away

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

  • Neighborhood Housing Services of the Inland Empire, Inc.

    1845 Business Center Dr Ste 120, San Bernardino · 30 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 · 30 miles away · Spanish

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

Every agency in San Bernardino County All counseling agencies in California

Help in Spanish near Spring Valley Lake

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 Spring Valley Lake

HUD’s record names them for Spring Valley Lake 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 Spring Valley Lake, 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 Spring Valley Lake.

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

Questions

Housing questions about Spring Valley Lake

Short answers with the numbers for Spring Valley Lake 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 Spring Valley Lake?

The typical home value in Spring Valley Lake is $463,000, 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 Spring Valley Lake?

Typical rent in Spring Valley Lake is $2,350 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 Spring Valley Lake?

Spring Valley Lake 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 Spring Valley Lake?

The typical homeowner in Spring Valley Lake pays $3,404 a year, according to the U.S. Census Bureau. That is 0.74% 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 Spring Valley Lake?

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).