San Bernardino County, CA FHA Loan Limit — 2026
2026 FHA loan limits for San Bernardino County. Verify eligibility and estimate FHA MIP costs.
| Units | FHA Limit | Conforming |
|---|---|---|
| 1 Unit | $644,000 | $806,500 |
| 2 Unit | $824,050 | $1,032,650 |
| 3 Unit | $996,050 | $1,248,150 |
| 4 Unit | $1,238,500 | $1,551,250 |
Source: HUD. Data as of 2025-01-15.
2026 Loan Limits — San Bernardino County, CA
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $644,000 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
Local Home Values & Affordability
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.
Property Tax in This Market
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 Costs
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
Loan Limits & Financing Options
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.
All FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.55%–0.75% of the loan balance paid monthly. On a $453,550 FHA loan, expect approximately $208/month in ongoing MIP — added to principal, interest, taxes, and insurance.
Sources: HUD ML 2025-23, FHFA 2026, HUD MIP Rates 2023
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