92344 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92344 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$534,890
Days to Sell
63
Homes Sold
79
Inventory
96
Sale-to-List
99.6%
New Listings
102
Price/SqFt
$249
Pending Sales
96
Conforming Loan Available
Most homebuyers in 92344 can comfortably use conventional financing. The median home price of $534,890 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
With homes sitting for 63 days on average, 92344 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 92344 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92344 can comfortably use conventional financing. The median home price of $534,890 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 92344 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 92344
To purchase the median home at $534,890 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,248.
Monthly Payment
$4,248
Income Required
$182,064
Principal & Interest
$3,296/mo
Down Payment (5%)
$26,745
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 92344.
Estimated Monthly Payment
$3,460
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