ZIP Code 92354 — Loma Linda city, CA Demographics & Data

ZIP code 92354 covers Loma Linda, CA in San Bernardino County with a population of about 23,076.

At a glance, the area shows median age of 38.3 (near the U.S. median).

It sits in telephone area codes 840, 909; U.S. House district CA-23; the LOS ANGELES media market.

Loma Linda, CA sits in a university / college context (near loma linda university (0.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 92354 is about $86,063 — about 15% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.0%; unemployment rate near 4.9%; 48.1% of adults with a bachelor’s degree or higher (about 14.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Other services; about 9.0% of workers reporting work-from-home (about 6.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $539,100 — about 55% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,580 (about 36% above the U.S. median rent ($1,163)), and owner-occupancy near 42.6% (about 22.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92354 in Loma Linda, CA, a household would need roughly $148,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,463. That is about 72% above the local median household income ($86,063), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Loma Linda city, CA as Very High (composite score 99.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.9) and flood (99.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Loma Linda city, CA show little to no average snow and around 12.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,136 for ZIP 92354 (Loma Linda city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.