92386 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92386 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$310,000
Days to Sell
52
Homes Sold
20
Inventory
55
Sale-to-List
97.0%
New Listings
44
Price/SqFt
$338
Pending Sales
30
Conforming Loan Available
Most homebuyers in 92386 can comfortably use conventional financing. The median home price of $310,000 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
92386's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 92386 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92386 can comfortably use conventional financing. The median home price of $310,000 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 92386 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 92386
To purchase the median home at $310,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,525.
Monthly Payment
$2,525
Income Required
$108,219
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,500
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 92386.
Estimated Monthly Payment
$2,069
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