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Loma Linda city, CA

ZIP 92354 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92354

Median Home Value
$539,100
Median Rent
$1,580
Affordability Snapshot
$148,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,463/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 92354 in Loma Linda city, 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
42.6%-35% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
29.5%-41% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$539,100
Home Value
$1,580
Rent
1980
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached53.2%
  • 1-unit attached8.0%
  • 2-9 units14.8%
  • 10+ units19.9%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$539,100
Median rent$1,580
Owner-occupied42.6%
Vacant8.7%
Price-to-income6.3x
Est. income to buy$148,000