92322 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92322 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$382,450
Days to Sell
159
Homes Sold
10
Inventory
15
Sale-to-List
96.3%
New Listings
17
Price/SqFt
$201
Pending Sales
9
Conforming Loan Available
Most homebuyers in 92322 can comfortably use conventional financing. The median home price of $382,450 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
With homes sitting for 159 days on average, 92322 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 92322 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92322 can comfortably use conventional financing. The median home price of $382,450 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 92322 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 92322
To purchase the median home at $382,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,080.
Monthly Payment
$3,080
Income Required
$132,009
Principal & Interest
$2,357/mo
Down Payment (5%)
$19,123
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 92322.
Estimated Monthly Payment
$2,517
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