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San Bernardino city, CA

ZIP 92405 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92405

Median Home Value
$376,800
Median Rent
$1,203
Affordability Snapshot
$104,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,420/mo PITI).

24%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

26.1 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 92405 in San Bernardino city, CA, a household would need roughly $104,000 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 $2,420. That is about 75% above the local median household income ($59,271), 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

Historic housing stock (20% built before 1939)

Owner Occupied
49.6%-24% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
20.2%+58% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
39.0%-21% vs US avg
x
Mortgage-Free
29.2%-23% vs US avg
x
$376,800
Home Value
$1,203
Rent
1957
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 detached66.4%
  • 1-unit attached3.8%
  • 2-9 units16.1%
  • 10+ units13.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$376,800
Median rent$1,203
Owner-occupied49.6%
Vacant3.5%
Price-to-income6.4x
Est. income to buy$104,000