San Bernardino County, CA Mortgage Calculator
Estimate your monthly mortgage payment in San Bernardino County with local property tax rates, homeowners insurance, and 2026 FHA and conforming loan limits.
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
Extra Monthly Payment
Estimated Monthly Payment
$2,911
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $376,000
LTV: 0.01%
P&I Payment
$2,489
Total Interest
$520,013
over loan life
Payoff
30 yr
Closing Costs
$6,368–$11,887
est. range
Monthly Payment Breakdown
2026 Loan Limit Context
FHA Limit
$541,287
Conforming Limit
$832,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,489 | $311 | $2,178 | $375,689 | $2,178 |
| 2 | $2,489 | $313 | $2,176 | $375,376 | $4,354 |
| 3 | $2,489 | $315 | $2,174 | $375,061 | $6,528 |
| 4 | $2,489 | $317 | $2,172 | $374,744 | $8,700 |
| 5 | $2,489 | $319 | $2,170 | $374,426 | $10,870 |
| 6 | $2,489 | $320 | $2,169 | $374,105 | $13,039 |
| 7 | $2,489 | $322 | $2,167 | $373,783 | $15,205 |
| 8 | $2,489 | $324 | $2,165 | $373,459 | $17,370 |
| 9 | $2,489 | $326 | $2,163 | $373,133 | $19,533 |
| 10 | $2,489 | $328 | $2,161 | $372,805 | $21,694 |
| 11 | $2,489 | $330 | $2,159 | $372,475 | $23,853 |
| 12 | $2,489 | $332 | $2,157 | $372,144 | $26,011 |
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.
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