San Bernardino, CA—92405
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 $447,000, with a year-over-year change of -0.8%. This indicates that home prices in San Bernardino, CA are flat. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $447,000 | -0.8% |
| Single Family | $452,000 | -1.3% |
| Condos | $289,000 | -2.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $293,000 | -1.0% |
2 Bed | $408,000 | -1.7% |
3 Bed | $474,000 | -1.2% |
4 Bed | $525,000 | -1.3% |
| 5 Bed | $591,000 | -1.0% |
% of Housing Stock
Rental Trends — San Bernardino, CA
As of July '25, Rentcast reports the average rent in San Bernardino, CA is $2,080, with a year-over-year rent change of 5.6%. Per bedroom, the median rent as of July '25 in San Bernardino, CA is studios: $1,100, 1-bedrooms: $1,300, 2-bedrooms: $2,070, 3-bedrooms: $2,950, 4-bedrooms: $3,060. The most common rental property sizes in San Bernardino, CA are 2-bedroom and 1-bedroom, accounting for 44.2% and 23.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $2,080 |
| Studio Rent | $1,100 | $1,100 |
| 1 Bed Rent | $1,300 | $1,300 |
| 2 Bed Rent | $1,980 | $2,070 |
| 3 Bed Rent | $2,950 | $2,950 |
| 4 Bed Rent | $2,950 | $3,060 |
% 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 49. This is a increase of 8.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $487,000 | 5.0% |
Listing Count | 65 | 16.0% |
| Listings as % of Homes | 0.6% | 16.0% |
Days on Market | 49 | 8.0% |
Demographics — San Bernardino, CA
As of the latest ACS Survey released in 2023, San Bernardino, CA has a population of 31,200, which has increased by 2.3% over the past 5 years. San Bernardino, CA is a popular place for families, as children make up 30.2% of the population. The area has a poorly educated workforce, with 13.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 31,200 | 2.3% |
% Under 18 | 30.2% | -4.4% |
% Seniors | 8.6% | 11.7% |
% WFH | 4.1% | 115.8% |
% w/ College Degree | 13.3% | 20.9% |
As of the latest ACS Survey released in 2023, San Bernardino, CA is a predominantly hispanic area, with 71.3% of the population identifying as hispanic. The hispanic population has grown by 9.4% in the last 5 years. The second most common race or ethnicity in San Bernardino, CA is white, making up 13.4% of the population. Foreign-born residents account for 18.2% of the population in San Bernardino, CA, and this percentage has decreased by 16.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 13.4% | -22.5% |
% Black | 10.1% | -28.4% |
% Hispanic | 71.3% | 9.4% |
% Asian | 2.8% | -3.4% |
% Foreign Born | 18.2% | -16.1% |
Mortgage and Risk — San Bernardino, CA
According to HUD data as of 2023, there were 307 mortgage originations in San Bernardino, CA, of which 61.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 46.0% above 90% LTV (very high). This implies large mortgage risk in San Bernardino, CA. Investor activity is low, as 6.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 307 |
% Conventional Loans | 61.0% |
% Government Loans | 39.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 15.0% |
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 5.3%. 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. 1-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in San Bernardino, CA, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 241 |
Total Units Section 8 | 241 |
% Rentals under Section 8 | 5.3% |
% Occupied Section 8 | 88.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $210 | $1,300 | $1,510 |
| 2 Bedroom | -$100 | $1,980 | $1,880 |
| 3 Bedroom | -$440 | $2,950 | $2,510 |
| 4 Bedroom | $100 | $2,950 | $3,050 |
Affordability — San Bernardino, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.1 |
| Median Home Price | $447,000 |
| Median Household Income | $59,300 |