The story of this market
The typical home in ZIP 92401 sells for about $299,900, or $322 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 58 days to sell. HUD's fair market rent for a two-bedroom is $1,650 a month.
ZIP 92401 — San Bernardino
The 92401 housing market remains characterized by high affordability relative to the broader California market, though it faces significant socioeconomic challenges. Inventory is limited, and the market is dominated by rental properties, reflecting the area's role as an entry-level urban hub. Current conditions are stable, with modest price appreciation driven by limited supply rather than high demand.
This ZIP is primarily suited for budget-conscious renters and first-time homebuyers looking for entry-level pricing in an urban, transit-accessible environment.
Median prices moved up 4.2% year over year.
Homes spend a median of 58 days on market with 3.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.3% · poverty 34.5% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 92401, San Bernardino County, CA
The area experiences higher-than-average property and violent crime rates compared to the broader Riverside-San Bernardino-Ontario metro region.
Public schools serving this ZIP generally receive lower performance ratings compared to state averages, reflecting challenges in the local district.
The area is subject to standard Southern California seismic risks and occasional extreme heat events; flood risk is generally low but localized.
Economic momentum is driven by the presence of San Bernardino city government offices and ongoing efforts to revitalize the downtown core.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%). County (San Bernardino County, California) — Ad Valorem Property Tax: The base rate is 1% of the assessed value as mandated by California Proposition 13, plus additional voter-approved debt service rates for school districts and special districts.
Residents have direct access to the I-215 and I-10 corridors, facilitating commutes to major employment hubs in the Inland Empire and Los Angeles.
The area features proximity to downtown San Bernardino amenities, including local parks, historic sites, and regional shopping centers within a 3-mile radius.
The rental market is characterized by high demand and low vacancy rates, with a significant portion of the housing stock being renter-occupied.
The local economy is anchored by government services, healthcare, and logistics, with significant employment provided by the city and county offices.
The area is served by major highway interchanges (I-215, I-10) and local bus transit, providing connectivity throughout the Inland Empire.
Development is focused on urban infill and the adaptive reuse of older commercial buildings in the downtown area.
The San Bernardino County Assessor manages property valuations, typically reassessing upon change of ownership per Proposition 13.
Parcels are subject to various special districts, including local school districts, water agencies, and flood control zones.
Property insurance premiums are rising due to regional wildfire and seismic risk factors, impacting overall housing affordability.
Data retrieved from Census Reporter and US Census Bureau ZCTA profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- SkyPark at Santa's Village4.511.8 mi
- Dave & Buster's Ontario4.214.6 mi
- Castle Park Riverside4.216.6 mi
- Lake Gregory Regional Park4.510.1 mi
- Glen Helen Regional Park4.410.1 mi
- Yaamava' Resort & Casino4.25.2 mi
- Toyota Arena4.515.7 mi
- National Orange Show Event Center4.40.6 mi
- Topgolf Ontario417.1 mi
- Ontario Convention Center4.518 mi
- Yaamava' Resort & Casino4.25.2 mi
- SkyPark at Santa's Village4.511.8 mi
- Lake Arrowhead Village4.612.2 mi
- Historic Original McDonald's Museum4.52 mi
- Lake Gregory Regional Park4.510.1 mi
- Lake Gregory Regional Park4.510.1 mi
- Fairmount Park4.58.6 mi
- Glen Helen Regional Park4.410.1 mi
- Ryan Bonaminio Park4.610.2 mi
- Rancho Jurupa Park4.510.4 mi
- Silverwood Lake Marina (Dawn)4.613 mi
- Oak Quarry Golf Club4.49.2 mi
- Sierra Lakes Golf Club4.49.1 mi
- Indian Hills Golf Club / Weddings and Events4.312.1 mi
- Jurupa Hills Country Club4.211.9 mi
- Shandin Hills Golf Club3.94.1 mi
- Moreno Valley Mall4.111 mi
- SkyPark at Santa's Village4.511.8 mi
- Inland Center4.30.9 mi
- Lake Arrowhead Village4.612.2 mi
- Ontario International Airport4.517.6 mi
- SBD International Airport4.62.7 mi
- Chino Airport4.721.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Central administrative hub for the city.
Historic district with local retail and dining options.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.