San Bernardino, CA—92410
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 $434,000, with a year-over-year change of -1.8%. This indicates that home prices in San Bernardino, CA are decreasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $434,000 | -1.8% |
| Single Family | $436,000 | -2.5% |
| Condos | $274,000 | 5.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $308,000 | -1.0% |
2 Bed | $375,000 | -3.4% |
3 Bed | $455,000 | -2.6% |
4 Bed | $504,000 | -2.5% |
| 5 Bed | $537,000 | -2.5% |
% of Housing Stock
Rental Trends — San Bernardino, CA
As of July '25, Rentcast reports the average rent in San Bernardino, CA is $1,880, with a year-over-year rent change of -0.5%. Per bedroom, the median rent as of July '25 in San Bernardino, CA is studios: $1,460, 1-bedrooms: $1,430, 2-bedrooms: $1,980, 3-bedrooms: $2,980, 4-bedrooms: $2,920. The most common rental property sizes in San Bernardino, CA are 2-bedroom and 1-bedroom, accounting for 42.3% and 27.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,700 | $1,880 |
| Studio Rent | $1,440 | $1,460 |
| 1 Bed Rent | $1,300 | $1,430 |
| 2 Bed Rent | $2,000 | $1,980 |
| 3 Bed Rent | $3,000 | $2,980 |
| 4 Bed Rent | $2,400 | $2,920 |
% 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 41. This is a increase of 5.0% 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 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $465,000 | 5.0% |
Listing Count | 65 | 22.0% |
| Listings as % of Homes | 0.3% | 22.0% |
Days on Market | 41 | 5.0% |
Demographics — San Bernardino, CA
As of the latest ACS Survey released in 2023, San Bernardino, CA has a population of 48,300, which has increased by 5.8% over the past 5 years. San Bernardino, CA is a popular place for families, as children make up 29.6% of the population. The area has a poorly educated workforce, with 6.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 48,300 | 5.8% |
% Under 18 | 29.6% | -13.7% |
% Seniors | 10.4% | 46.5% |
% WFH | 5.2% | 23.8% |
% w/ College Degree | 6.1% | 8.9% |
As of the latest ACS Survey released in 2023, San Bernardino, CA is a predominantly hispanic area, with 79.6% of the population identifying as hispanic. The hispanic population has grown by 3.8% in the last 5 years. The second most common race or ethnicity in San Bernardino, CA is black, making up 9.6% of the population. Foreign-born residents account for 28.6% of the population in San Bernardino, CA, and this percentage has decreased by 3.4% 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 | 7.2% | -16.3% |
% Black | 9.6% | -8.6% |
% Hispanic | 79.6% | 3.8% |
% Asian | 2.9% | 3.6% |
% Foreign Born | 28.6% | -3.4% |
Mortgage and Risk — San Bernardino, CA
According to HUD data as of 2023, there were 316 mortgage originations in San Bernardino, CA, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 47.0% above 90% LTV (very high). This implies large mortgage risk in San Bernardino, CA. Investor activity is low, as 4.0% of loans were by investors. 20.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 316 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 20.0% |
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 16.8%. This is considered high, suggesting that the neighborhood is heavily 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 | 1,501 |
Total Units Section 8 | 1,278 |
% Rentals under Section 8 | 16.8% |
% Occupied Section 8 | 91.7% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $220 | $1,300 | $1,520 |
| 2 Bedroom | -$110 | $2,000 | $1,890 |
| 3 Bedroom | -$480 | $3,000 | $2,520 |
| 4 Bedroom | $670 | $2,400 | $3,070 |
Affordability — San Bernardino, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.7 |
| Median Home Price | $434,000 |
| Median Household Income | $53,400 |