City · 79,257 residents · San Bernardino County, California
Upland, California
In Upland, a typical home is worth $739,400 and typical rent is $2,029 a month. Compared with all of San Bernardino County, the typical home value is 46% higher and typical household income is 24% higher.
Typical home value from Zillow, September 2021 to September 2026: from $687,573 to $813,655.
Typical rent
$2,392a month
▲ 4.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,040 to $2,392.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Upland 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Upland is worth $739,400,46% more than in San Bernardino County as a whole ($505,000).
2
Nearby, in Montclair, the typical home value is $569,100: 23% less than in Upland ($739,400).
3
The typical household income in Upland is $105,830,24% more than in San Bernardino County as a whole ($85,478).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Upland
What homes there are in Upland, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Upland
San Bernardino County
California
United States
Kind of home: Upland and its comparisons
Measure
Upland
San Bernardino County
California
United States
Detached house
58%
70%
57%
61%
Attached house
9%
5%
7%
6%
Building of 2 to 4
9%
6%
8%
8%
Apartments (5 or more)
21%
14%
24%
19%
Mobile home
3%
5%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is still the most common home in Upland, but it weighs less than in San Bernardino County: 58% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Upland
San Bernardino County
California
United States
Year built: Upland and its comparisons
Measure
Upland
San Bernardino County
California
United States
Before 1960
17%
18%
27%
26%
1960–1979
38%
25%
29%
24%
1980–1999
28%
35%
25%
25%
2000–2009
9%
15%
11%
14%
2010 or later
7%
8%
8%
11%
The typical home in Upland was built in 1978, 5 years before the typical one in San Bernardino County.
In Upland, 13% of homes have 1 bedroom or none (studios); 58% have 3 bedrooms or more, against 64% in San Bernardino County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200K3%
$200K–$300KUnreliable
$300K–$500K8%
$500K–$750K37%
$750K–$1M36%
$1M or more12%
Value of owner-occupied homes: Upland and its comparisons
Measure
Upland
Under $100K
3%
$100K–$200K
3%
$200K–$300K
Unreliable estimate
$300K–$500K
8%
$500K–$750K
37%
$750K–$1M
36%
$1M or more
12%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9993%
$1,000–$1,49912%
$1,500–$1,99930%
$2,000–$2,49928%
$2,500–$2,99913%
$3,000 or more10%
Monthly rent with utilities: Upland and its comparisons
Measure
Upland
Under $500
Unreliable estimate
$500–$999
3%
$1,000–$1,499
12%
$1,500–$1,999
30%
$2,000–$2,499
28%
$2,500–$2,999
13%
$3,000 or more
10%
With a mortgage
$2,912 a month
San Bernardino County: $2,368 a month
Without a mortgage
$815 a month
San Bernardino County: $678 a month
Owners with a mortgage
70%
San Bernardino County: 69%
The typical cost for an owner with a mortgage in Upland is $2,912 a month, more than in San Bernardino County ($2,368); without one, $815.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Upland+41%
San Bernardino County+54%
California+46%
United States+53%
Typical rent
Upland+40%
San Bernardino County+40%
California+36%
United States+33%
Typical household income
Upland+45%
San Bernardino County+35%
California+32%
United States+29%
Change since 2015–2019: Upland and its comparisons
Measure
Upland
San Bernardino County
California
United States
Typical home value
+41%
+54%
+46%
+53%
Typical rent
+40%
+40%
+36%
+33%
Typical household income
+45%
+35%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Upland rose 41%; in San Bernardino County, it rose 54%.
The typical rent in Upland rose 40% since 2015–2019, about the same as in San Bernardino County (40%).
Income in Upland grew faster than housing: it rose 45%, while home values changed +41% and rent +40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Upland and its comparisons
Measure
Upland
San Bernardino County
California
United States
Rental vacancy
2.4%
3.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
6.9%
9.3%
8.2%
3.4%
People per household
2.85
3.20
2.84
2.53
Drive alone
71%
74%
66%
69%
Carpool
10%
11%
10%
9%
Public transit
2%
1%
3%
3%
Walk or bike
1%
2%
3%
3%
Work from home
14%
11%
17%
15%
Other means
2%
1%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is little rental housing open in Upland: only 2.4% is empty and offered for rent, against 3.4% in San Bernardino County.
More than one person per room: that is how 6.9% of households in Upland live, less than in San Bernardino County (9.3%).
Fewer people live in each home here: 2.85 on average, against 3.20 in San Bernardino County.
To get to work, 71% of workers in Upland drive alone; in San Bernardino County, 74%.
Do the math
What would you pay each month for a home in Upland?
A typical home costs more than the typical income allows
We start with a typical home in Upland, worth $739,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 67% of the typical household income in Upland, which is $105,830 a year. For that payment to be 28% of income, a household would need to earn about $254,373 a year. Note: at that price the loan is above the FHA limit for San Bernardino County ($690,000), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of San Bernardino County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Upland. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $25,879 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,935
at 7.18% · 30 years
Loan amount
$726,008
Total interest
$1,044,555
Paid off in
November 2056
Includes $12,487 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,469 a month
Tight
$2,469 to $3,175 a month
Hard
more than $3,175 a month
Your payment · 67%
Compared with the typical household income in Upland ($105,830 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,918
Property tax
$382
Home insurance
$308
FHA mortgage insurance (MIP)
$327
This loan is over the FHA limit
You'd borrow $713,521, but the FHA limit for a one-unit home in Upland is $690,000. You'd need a bigger down payment or a different loan.
You need at least $25,879 for the down payment, plus closing costs.
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.
Total monthly payment $5,935; principal and interest $4,918.
The city and its county
Upland and San Bernardino County
Upland 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).
Upland
Map of San Bernardino County, California, with Upland marked. Around it, the neighboring counties.
Upland
San Bernardino County
Other cities with a page
Upland's own numbers
Typical home value
$739,400
Typical monthly rent
$2,029
Typical yearly household income
$105,830
Households that own their home
57%
Effective property tax rate
0.62%
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.
A typical home in Upland is worth $739,400: 46% above the county and about the same as California. With the typical household income in Upland ($105,830 a year), a typical home costs 7.0 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.
Upland7.0 years
San Bernardino5.9 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in San Bernardino County, 2016 to 2025
2016: +6.8% +6.8% 2016
2017: +7.4% +7.4% 2017
2018: +7.0% +7.0% 2018
2019: +4.4% +4.4% 2019
2020: +4.0% +4.0% 2020
2021: +17.4% +17.4% 2021
2022: +18.6% +18.6% 2022
2023: +2.7% +2.7% 2023
2024: +5.3% +5.3% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in San Bernardino County, California and the United States
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
Upland 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
Upland$739,400
San Bernardino$505,000
California$734,700
United States$332,700
Typical monthly rent
Upland$2,029
San Bernardino$1,801
California$2,036
United States$1,413
Typical yearly household income
Upland$105,830
San Bernardino$85,478
California$99,122
United States$80,734
See the full table
Upland next to San Bernardino County and California
Measure
Upland
San Bernardino County
California
U.S.
Typical home value
$739,400 ▲46% above the county
$505,000
$734,700
$332,700
Typical monthly rent
$2,029 ▲13% above the county
$1,801
$2,036
$1,413
Typical yearly household income
$105,830 ▲24% above the county
$85,478
$99,122
$80,734
Households that own their home
57% ▼5 points below the county
62%
56%
65%
Typical yearly property tax
$4,586 ▲30% above the county
$3,538
$5,124
$3,119
Effective property tax rate
0.62% ▼0.08 points below the county
0.7%
0.7%
0.94%
Renters with high rent for their income
52% ▼6 points below the county
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 Upland
For a typical $739,400 home in Upland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Upland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,935a month
Above the FHA limit for San Bernardino County ($690,000)
Down payment
$25,879
Cash to close
$48,061
Rate
7.18%
Mortgage insurance
FHA MIP · $327
Conventional, 5% down$5,800a month
Least cash to close
Down payment
$36,970
Cash to close
$59,152
Rate
7.18%
Mortgage insurance
PMI · $351
Conventional, 20% down, no PMI$4,697a month
Down payment
$147,880
Cash to close
$170,062
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,381a month
Down payment
$110,910
Cash to close
$133,092
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Upland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for San Bernardino County ($690,000)
$5,935
$25,879
$726,008
7.18%
FHA MIP · $327
$48,061
580
Conventional, 5% down Least cash to close
$5,800
$36,970
$702,430
7.18%
PMI · $351
$59,152
620*
Conventional, 20% down, no PMI
$4,697
$147,880
$591,520
7.18%
None
$170,062
620*
ITIN, 15% down (example)
$5,381
$110,910
$628,490
8.18%
None
$133,092
Set by the lender
The option that asks for the least cash to close is Conventional, 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.
Typical rent in Upland is $2,029 a month: 13% above the county. In Upland, 52% 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.
HUD fair market rent in San Bernardino County (Fiscal year 2027)
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 Upland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Upland has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,560 in 91786 to $3,150 in 91784.
2 of the 2 are above the fair market rent for San Bernardino County ($2,103).
Fair market rent by ZIP code and size in Upland, fiscal year 2027.
91784
$2,400
$2,550
$3,150
$4,150
$5,000
91786
$1,950
$2,080
$2,560
$3,370
$4,060
ZIP code2 bd3 bd
91784 $3,150$4,150
91786 $2,560$3,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Upland 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Upland. These are the largest.
Alpine Woods Apts430 Alpine St, Upland 91786137 homes, 136 low-income · 1 bd: 42 · 2 bd: 95 · In service since 2000
Coy D Estes Senior Housing260 N 3rd Ave, Upland 91786130 homes, 111 low-income · In service since 1997 · For older adults
Sycamore Terrace1301 San Bernardino Rd, Upland 91786100 low-income homes · 1 bd: 99 · 2 bd: 1 · In service since 2016 · For older adults, families(909) 946-2811
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.
No down payment, repair or rent-help program on our list is for Upland or San Bernardino County. The ones below are statewide in California: they work in Upland the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Upland or San Bernardino County in particular.
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.
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.
Short answers with the numbers for Upland 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 Upland?
The typical home value in Upland is $739,400, 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 Upland?
Typical rent in Upland is $2,029 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 Upland?
Upland 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 Upland?
The typical homeowner in Upland pays $4,586 a year, according to the U.S. Census Bureau. That is 0.62% 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 Upland?
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.
