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San Bernardino city, CA

ZIP 92408 — 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 92408

Median Home Value
$407,300
Median Rent
$1,164
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,616/mo PITI).

22%
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.

29.2 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 92408 in San Bernardino city, CA, a household would need roughly $112,000 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 $2,616. That is about 76% above the local median household income ($63,696), 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
38.7%-41% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
5.4%-64% vs US avg
x
Built Pre-1939
7.5%-41% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
32.4%-35% vs US avg
x
Mortgage-Free
25.4%-34% vs US avg
x
$407,300
Home Value
$1,164
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 detached54.3%
  • 1-unit attached4.2%
  • 2-9 units13.8%
  • 10+ units24.7%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$407,300
Median rent$1,164
Owner-occupied38.7%
Vacant7.0%
Price-to-income6.4x
Est. income to buy$112,000