Home Values in San Bernardino, California — 2026 Market Report
Updated March 2026 | Balanced Market | +4.7% YoY
The median home value in San Bernardino, California is $395,000 as of March 2026, which is near the national median of $400,000. Home values in San Bernardino have increased by 4.7% over the past year and 25.8% over the last five years. With a population of 222,101 and a median household income of $44,225, the price-to-income ratio stands at 8.9x, making San Bernardino affordable for the average household.
San Bernardino Housing Market Conditions
| Metric | San Bernardino | National Avg |
|---|---|---|
| Median Home Value | $395,000 | $400,000 |
| YoY Appreciation | +4.7% | +3.8% |
| 5-Year Appreciation | +25.8% | +22.4% |
| Price per Sq Ft | $294 | $222 |
| Days on Market | 55 days | 45 days |
| Months of Supply | 4.5 | 3.5 |
| List-to-Sale Ratio | 96.7% | 98.5% |
| Monthly Homes Sold | 122 | — |
| Foreclosure Rate | 0.62% | 0.3% |
Home Value Trends in San Bernardino
A homeowner who purchased at the median price of $313,990 five years ago in San Bernardino would have gained approximately $81,010 in equity, representing a 25.8% return on investment. Over the past year alone, the typical homeowner gained $17,732 in home equity.
Affordability in San Bernardino, CA
With a median household income of $44,225 and a median home price of $395,000, the price-to-income ratio in San Bernardino is 8.9x. A ratio below 3x is generally considered affordable, while above 5x indicates significant affordability challenges. The average monthly rent of $3,070 compared to estimated monthly ownership costs of $2,127 gives a rent-vs-buy ratio of 0.69. In San Bernardino, buying is currently competitive with renting when factoring in equity accumulation.
Property Taxes in San Bernardino
The effective property tax rate in California is 0.76%. On a home valued at $395,000, the estimated annual property tax bill is $3,002, or approximately $250/month. Property taxes are an important factor in the total cost of homeownership and can significantly impact affordability. The cost of living index in San Bernardino is 107.5 (100 = national average), indicating living costs are near the national average.
Calculate Your Mortgage Payment in San Bernardino
Use our free calculator to estimate monthly payments for a $395,000 home
Open Mortgage CalculatorFrequently Asked Questions
What is the median home value in San Bernardino, CA?
The median home value in San Bernardino, California is $395,000 as of March 2026. Home values have changed +4.7% over the past year, with a 5-year appreciation of 25.8%.
Is San Bernardino a buyer's or seller's market?
San Bernardino is currently a balanced market with 4.5 months of housing supply. Homes spend an average of 55 days on market, and the list-to-sale price ratio is 96.7%. Supply and demand are relatively balanced.
Are home values going up in San Bernardino?
Yes, home values in San Bernardino have increased by 4.7% over the past year. The 5-year appreciation rate is 25.8%, meaning a home worth $313,990 five years ago is now worth $395,000.
Is it better to rent or buy in San Bernardino?
The average monthly rent in San Bernardino is $3,070, while estimated monthly homeownership costs are approximately $2,127. The price-to-rent ratio is 10.7. Based on current conditions, buying may be more cost-effective than renting in this market.
Home Values in Other California Cities
Related Resources
Disclaimer: Home value data for San Bernardino, California is based on publicly available market data and estimates. Actual home values may vary based on property condition, location within the city, and current market conditions. Data is updated regularly but may not reflect the most recent transactions. Last updated: March 2026.