92316 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92316 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$530,000
Days to Sell
50
Homes Sold
27
Inventory
20
Sale-to-List
98.6%
New Listings
32
Price/SqFt
$437
Pending Sales
27
Conforming Loan Available
Most homebuyers in 92316 can comfortably use conventional financing. The median home price of $530,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
92316's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 92316 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92316 can comfortably use conventional financing. The median home price of $530,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 92316 are set at the county level.
2026 Loan Limits — San Bernardino County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $690,000 |
| 2 Units | $1,066,250 | $883,300 |
| 3 Units | $1,288,800 | $1,067,750 |
| 4 Units | $1,601,750 | $1,326,950 |
Affordability Snapshot — Zip 92316
To purchase the median home at $530,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,211.
Monthly Payment
$4,211
Income Required
$180,458
Principal & Interest
$3,266/mo
Down Payment (5%)
$26,500
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 92316.
Estimated Monthly Payment
$3,430
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