92352 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92352 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$655,000
Days to Sell
66
Homes Sold
84
Inventory
391
Sale-to-List
96.4%
New Listings
296
Price/SqFt
$360
Pending Sales
113
Conforming Loan Available
Most homebuyers in 92352 can comfortably use conventional financing. The median home price of $655,000 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
With homes sitting for 66 days on average, 92352 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
The average home in 92352 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92352 can comfortably use conventional financing. The median home price of $655,000 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 92352 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 92352
To purchase the median home at $655,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,168.
Monthly Payment
$5,168
Income Required
$221,503
Principal & Interest
$4,036/mo
Down Payment (5%)
$32,750
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 92352.
Estimated Monthly Payment
$4,204
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