Mortgage Rates in San Bernardino, California — March 2026
Updated March 2026 | Based on San Bernardino market data and regional lending conditions
San Bernardino is a mid-sized city in California with a population of 222,101. The current 30-year fixed mortgage rate in San Bernardino is 6.55%, which is 0.1% below the national average. With a median home price of $395,000 and a 20% down payment of $79,000, homebuyers can expect a monthly principal and interest payment of approximately $2,008.
Current Mortgage Rates in San Bernardino, CA
Below are the current average mortgage rates available in the San Bernardino area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.55% | 6.65% | -0.1% |
| 15-Year Fixed | 5.79% | 5.89% | -0.1% |
| 5/1 ARM | 6.05% | 6.15% | -0.1% |
| FHA | 6.15% | 6.25% | -0.1% |
| VA | 5.95% | 6.05% | -0.1% |
| Jumbo | 6.75% | 6.85% | -0.1% |
San Bernardino Housing Market Overview
The San Bernardino housing market reflects moderate demand with prices near the national average. The median household income in San Bernardino is $44,225, and the cost of living index is 107.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $96,771 to comfortably afford the median-priced home in San Bernardino, which exceeds the current median household income.
Monthly Payment Breakdown for San Bernardino
Based on the median home price of $395,000 with 20% down ($79,000), here is what you can expect to pay monthly in San Bernardino:
15-Year vs. 30-Year Mortgage in San Bernardino
Choosing a 15-year mortgage in San Bernardino at 5.79% instead of a 30-year at 6.55% would save you $249,300 in total interest over the life of the loan. However, your monthly payment would be $2,631 instead of $2,008 — an increase of $623 per month.
Calculate Your San Bernardino Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in San Bernardino
What are the current mortgage rates in San Bernardino, CA?
As of March 2026, the average 30-year fixed mortgage rate in San Bernardino, California is 6.55%, while the 15-year fixed rate is 5.79%. FHA loans average 6.15% and VA loans 5.95%. These rates are 0.1% below the national average of 6.65%.
How much is a monthly mortgage payment in San Bernardino?
Based on the median home price of $395,000 with 20% down, the estimated monthly mortgage payment in San Bernardino is $2,008 for principal and interest. Including property taxes of $250/month, the total monthly housing cost is approximately $2,258.
What income do I need to buy a home in San Bernardino?
Using the 28% rule, you would need an annual income of approximately $96,771 to afford the median-priced home in San Bernardino at $395,000. The median household income in San Bernardino is $44,225. This means most households would need to either earn above the median or consider homes below $395,000.
Is San Bernardino a good place to buy a home in 2026?
San Bernardino has a moderate cost of living with a cost of living index of 107.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. San Bernardino has a population of 222,101 and offers a balanced lifestyle.
Mortgage Rates in Other California Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the San Bernardino, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.