San Bernardino, CA—92408
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 $468,000, with a year-over-year change of -1.6%. This indicates that home prices in San Bernardino, CA are decreasing. 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 | $468,000 | -1.6% |
| Single Family | $478,000 | -2.0% |
| Condos | $417,000 | -1.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $394,000 | -2.7% |
3 Bed | $464,000 | -2.7% |
4 Bed | $551,000 | -2.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — San Bernardino, CA
As of July '25, Rentcast reports the average rent in San Bernardino, CA is $2,400, with a year-over-year rent change of -11.4%. Per bedroom, the median rent as of July '25 in San Bernardino, CA is 1-bedrooms: $1,470, 2-bedrooms: $2,190, 3-bedrooms: $2,800, 4-bedrooms: $3,190. The most common rental property sizes in San Bernardino, CA are 1-bedroom and 2-bedroom, accounting for 32.5% and 32.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,200 | $2,400 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,500 | $1,470 |
| 2 Bed Rent | $2,200 | $2,190 |
| 3 Bed Rent | $2,700 | $2,800 |
| 4 Bed Rent | $3,150 | $3,190 |
% 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 53. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $630,000 | 3.0% |
Listing Count | 16 | -16.0% |
| Listings as % of Homes | 0.3% | -16.0% |
Days on Market | 53 | -4.0% |
Demographics — San Bernardino, CA
As of the latest ACS Survey released in 2023, San Bernardino, CA has a population of 13,900, which has decreased by -3.8% over the past 5 years. San Bernardino, CA is a moderately popular place for families, as children make up 23.7% of the population. The area has a poorly educated workforce, with 18.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,900 | -3.8% |
% Under 18 | 23.7% | -14.7% |
% Seniors | 9.8% | 4.3% |
% WFH | 3.9% | -13.3% |
% w/ College Degree | 18.7% | 26.4% |
As of the latest ACS Survey released in 2023, San Bernardino, CA is a predominantly hispanic area, with 61.3% of the population identifying as hispanic. The hispanic population has grown by 2.3% in the last 5 years. The second most common race or ethnicity in San Bernardino, CA is asian, making up 16.9% of the population. Foreign-born residents account for 33.8% of the population in San Bernardino, CA, and this percentage has increased by 8.3% 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 | 11.2% | -18.2% |
% Black | 8.7% | -18.7% |
% Hispanic | 61.3% | 2.3% |
% Asian | 16.9% | 20.7% |
% Foreign Born | 33.8% | 8.3% |
Mortgage and Risk — San Bernardino, CA
According to HUD data as of 2023, there were 7 mortgage originations in San Bernardino, CA, of which 57.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 57.0% above 90% LTV (very high). This implies large mortgage risk in San Bernardino, CA. Investor activity is low, as 0.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 7 |
% Conventional Loans | 57.0% |
% Government Loans | 43.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
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 13.7%. 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, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 404 |
Total Units Section 8 | 330 |
% Rentals under Section 8 | 13.7% |
% Occupied Section 8 | 93.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$50 | $1,500 | $1,450 |
| 2 Bedroom | -$390 | $2,200 | $1,810 |
| 3 Bedroom | -$260 | $2,700 | $2,440 |
| 4 Bedroom | -$170 | $3,150 | $2,980 |
Affordability — San Bernardino, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7 |
| Median Home Price | $468,000 |
| Median Household Income | $63,700 |