92408 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92408 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$505,000
Days to Sell
33
Homes Sold
15
Inventory
15
Sale-to-List
101.4%
New Listings
22
Price/SqFt
$381
Pending Sales
16
Conforming Loan Available
Most homebuyers in 92408 can comfortably use conventional financing. The median home price of $505,000 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
92408's market is balanced with homes taking an average of 33 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 92408 (101.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 92408 can comfortably use conventional financing. The median home price of $505,000 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 92408 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 92408
To purchase the median home at $505,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,019.
Monthly Payment
$4,019
Income Required
$172,249
Principal & Interest
$3,112/mo
Down Payment (5%)
$25,250
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 92408.
Estimated Monthly Payment
$3,275
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