US5.com
  1. Home
  2. States
  3. California
  4. ZIP 92401
  5. Housing & Real Estate
San Bernardino city, CA

ZIP 92401 — 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 92401

Median Home Value
$348,400
Median Rent
$954
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,238/mo PITI).

27%
Rent-to-Income Ratio

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

8.1x
Home Price-to-Income Ratio

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

30.4 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 92401 in San Bernardino city, CA, a household would need roughly $96,000 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 $2,238. That is about 124% above the local median household income ($42,898), 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
14.8%-77% vs US avg
x
Vacancy Rate
1.5%-86% vs US avg
x
Broadband Access
71.8%-17% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
11.5%-10% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.4%-25% vs US avg
x
Mortgage-Free
18.4%-52% vs US avg
x
$348,400
Home Value
$954
Rent
1971
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached23.0%
  • 1-unit attached14.1%
  • 2-9 units12.5%
  • 10+ units49.8%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$348,400
Median rent$954
Owner-occupied14.8%
Vacant1.5%
Price-to-income8.1x
Est. income to buy$96,000