San Bernardino County, California home prices
Typical home $548,565 · +0.9% in a year · property tax 0.7%
The typical home in San Bernardino County is worth $548,565, 28% less than the California typical home ($761,538). Values changed +0.9% in the past year and +17.6% over five years. Homeowners here pay a median 0.7% of their home's value in property tax each year ($3,843 on the typical home), versus 0.72% statewide.
Mortgage on the typical San Bernardino County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $109,713 | $438,852 | $2,952 | $0 | $595 | $3,547 | $152,000 |
| 10% down | $54,857 | $493,709 | $3,321 | $206 | $595 | $4,121 | $176,600 |
| 5% down | $27,428 | $521,137 | $3,506 | $217 | $595 | $4,317 | $185,000 |
| 3.5% down (FHA) | $19,200 | $538,629 | $3,623 | $243 | $595 | $4,461 | $191,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Riverside metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Solano County | $571,152 | -0.9% | 0.75% |
| Inyo County | $524,036 | +5.7% | 0.74% |
| Sacramento County | $521,128 | -0.5% | 0.73% |
| San Joaquin County | $519,776 | -2.1% | 0.75% |
| Alpine County | $508,465 | -2.0% | 0.77% |
| Riverside County | $602,790 | +0.4% | 0.78% |
| Nevada County | $610,265 | +0.8% | 0.75% |
| Yolo County | $612,563 | -0.3% | 0.77% |
| Mendocino County | $480,674 | -1.2% | 0.69% |
| Stanislaus County | $461,114 | +0.2% | 0.71% |
Frequently asked questions
What is the average home price in San Bernardino County, CA?
The typical home value in San Bernardino County is $548,565 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Bernardino County?
About $152,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Bernardino County?
The median effective rate is 0.7% of home value a year (Census ACS 2024 5-year estimates).