92407 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92407 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$589,500
Days to Sell
45
Homes Sold
110
Inventory
97
Sale-to-List
100.9%
New Listings
137
Price/SqFt
$353
Pending Sales
111
Conforming Loan Available
Most homebuyers in 92407 can comfortably use conventional financing. The median home price of $589,500 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
92407's market is balanced with homes taking an average of 45 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 92407 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92407 can comfortably use conventional financing. The median home price of $589,500 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 92407 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 92407
To purchase the median home at $589,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,667.
Monthly Payment
$4,667
Income Required
$199,995
Principal & Interest
$3,632/mo
Down Payment (5%)
$29,475
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 92407.
Estimated Monthly Payment
$3,798
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 92407. Tell us what you're looking for.