San Bernardino County, CA Conforming Loan Limit — 2026

With a median home value of $470,000, San Bernardino County is 52% above the national median of $310,000 — placing it firmly in premium territory where careful loan-type selection matters.

A 20% down payment on a median San Bernardino County home requires $94,000 in cash — or $16,450 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.

San Bernardino County's $470,000 median sits between Kern County ($340,000) and San Francisco County ($1,350,000) within the California counties we track.

Based on the 0.80% effective rate and a median home value of $470,000, a typical homeowner in San Bernardino County pays approximately $3,760 in annual property taxes — or $313 per month added to their mortgage payment.

San Bernardino County's property tax rate of 0.80% is close to the national average of 1.10%. On a median-priced home of $470,000, expect an annual tax bill of approximately $3,760.

Sources: Tax Foundation 2025

Homeowners insurance in San Bernardino County runs approximately $1,300/year ($108/month), in line with the national average of $1,600.

Premium quotes in San Bernardino County typically range from $850 to $1,900 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.

Sources: NAIC 2024

A buyer purchasing the median San Bernardino County home ($470,000) with FHA's minimum 3.5% down would borrow $453,550 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.

With 20% down on a median-priced home, the loan amount of $376,000 stays $456,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.

Sources: HUD ML 2025-23, FHFA 2026