San Bernardino, CA—92404
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — San Bernardino, CA
As of Oct '25, the median home price in San Bernardino, CA is $476,000, with a year-over-year change of -0.7%. This indicates that home prices in San Bernardino, CA are flat. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $476,000 | -0.7% |
| Single Family | $482,000 | -1.2% |
| Condos | $266,000 | -2.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $235,000 | 2.2% |
2 Bed | $401,000 | -0.5% |
3 Bed | $480,000 | -1.4% |
4 Bed | $530,000 | -1.1% |
| 5 Bed | $609,000 | -0.3% |
% of Housing Stock
Rental Trends — San Bernardino, CA
As of July '25, Rentcast reports the average rent in San Bernardino, CA is $2,070, with a year-over-year rent change of 1.5%. Per bedroom, the median rent as of July '25 in San Bernardino, CA is studios: $1,190, 1-bedrooms: $1,500, 2-bedrooms: $1,870, 3-bedrooms: $2,400, 4-bedrooms: $3,300. The most common rental property sizes in San Bernardino, CA are 2-bedroom and 1-bedroom, accounting for 45.2% and 28.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,950 | $2,070 |
| Studio Rent | $1,190 | $1,190 |
| 1 Bed Rent | $1,500 | $1,500 |
| 2 Bed Rent | $1,900 | $1,870 |
| 3 Bed Rent | $2,400 | $2,400 |
| 4 Bed Rent | $2,900 | $3,300 |
% of Rental Stock
Property Listings — San Bernardino, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in San Bernardino, CA is 62. This is a increase of 38.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 21.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $500,000 | 1.0% |
Listing Count | 131 | 16.0% |
| Listings as % of Homes | 0.6% | 16.0% |
Days on Market | 62 | 38.0% |
Demographics — San Bernardino, CA
As of the latest ACS Survey released in 2023, San Bernardino, CA has a population of 63,100, which has increased by 3.0% over the past 5 years. San Bernardino, CA is a popular place for families, as children make up 28.5% of the population. The area has a poorly educated workforce, with 9.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 63,100 | 3.0% |
% Under 18 | 28.5% | -5.3% |
% Seniors | 9.8% | 7.7% |
% WFH | 5.4% | 116.0% |
% w/ College Degree | 9.9% | -18.2% |
As of the latest ACS Survey released in 2023, San Bernardino, CA is a predominantly hispanic area, with 68.5% of the population identifying as hispanic. The hispanic population has grown by 7.9% in the last 5 years. The second most common race or ethnicity in San Bernardino, CA is white, making up 15.5% of the population. Foreign-born residents account for 21.8% of the population in San Bernardino, CA, and this percentage has increased by 4.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 15.5% | -12.9% |
% Black | 10.7% | -25.7% |
% Hispanic | 68.5% | 7.9% |
% Asian | 2.9% | 20.8% |
% Foreign Born | 21.8% | 4.3% |
Mortgage and Risk — San Bernardino, CA
According to HUD data as of 2023, there were 706 mortgage originations in San Bernardino, CA, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 42.0% above 90% LTV (very high). This implies large mortgage risk in San Bernardino, CA. Investor activity is low, as 3.0% of loans were by investors. 19.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 706 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 19.0% |
Loan Activity
Rentals and Section 8 — San Bernardino, CA
As of 2024, the percent of homes in San Bernardino, CA under the Section 8 program is 8.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In San Bernardino, CA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 880 |
Total Units Section 8 | 791 |
% Rentals under Section 8 | 8.9% |
% Occupied Section 8 | 89.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $60 | $1,500 | $1,560 |
| 2 Bedroom | $40 | $1,900 | $1,940 |
| 3 Bedroom | $190 | $2,400 | $2,590 |
| 4 Bedroom | $250 | $2,900 | $3,150 |
Affordability — San Bernardino, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.7 |
| Median Home Price | $476,000 |
| Median Household Income | $66,200 |