San Bernardino, CA92404

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$476,000
0.7% YoY Growth
Median Household Income
$66,200
48.8% 5-Year Growth
Days on Market
62
38.0% Longer than last year
Home Price Forecast
1.8%
Median Rent
$1,950
1.5% YoY Growth
1-Bed Rent
$1,500
12.8% YoY Growth
2-Bed Rent
$1,900
5.1% YoY Growth
3-Bed Rent
$2,400
2.4% YoY Growth

Other Zip Codes in San Bernardino, CA

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.

MetricZip Code AverageYear over Year % Change
Median Listing Price
$500,0001.0%
Listing Count
13116.0%
Listings as % of Homes0.6%16.0%
Days on Market
6238.0%
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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.

MetricLatest CensusYoY % Change
Population
63,1003.0%
% Under 18
28.5%-5.3%
% Seniors
9.8%7.7%
% WFH
5.4%116.0%
% w/ College Degree
9.9%-18.2%
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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

MetricLatest Census5-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%
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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

MetricZip 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

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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 SizeHUD PremiumMarket RentMax 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

MetricZip Code Average
Home Price to Income Ratio6.7
Median Home Price$476,000
Median Household Income$66,200

San Bernardino, CA — ZIP Code Boundary Map

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Frequently Asked Questions