ZIP Code 92404 — San Bernardino city, CA Demographics & Data

ZIP code 92404 covers San Bernardino, CA in San Bernardino County with a population of about 63,067.

At a glance, the area shows median age of 31.9 versus a U.S. median of about 38.9.

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

Median household income in ZIP 92404 is about $66,173 — about 12% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.8%; unemployment rate near 5.5%; 9.9% of adults with a bachelor’s degree or higher (about 23.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Retail trade, and Construction; about 5.4% of workers reporting work-from-home (about 9.8 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 $383,700 — about 10% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,205 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 49.2% (about 16.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92404 in San Bernardino, CA, a household would need roughly $106,000 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 $2,465. That is about 60% above the local median household income ($66,173), 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 San Bernardino 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 San Bernardino city, CA show little to no average snow and around 37.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,104 for ZIP 92404 (San Bernardino 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.