92363 — San Bernardino County, California Market Snapshot
Housing market data for zip code 92363 in San Bernardino County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$147,750
Days to Sell
84
Homes Sold
12
Inventory
32
Sale-to-List
93.3%
New Listings
21
Price/SqFt
$107
Pending Sales
15
Conforming Loan Available
Most homebuyers in 92363 can comfortably use conventional financing. The median home price of $147,750 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 84 days on average, 92363 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 92363 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 92363 can comfortably use conventional financing. The median home price of $147,750 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 92363 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 92363
To purchase the median home at $147,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,282.
Monthly Payment
$1,282
Income Required
$54,943
Principal & Interest
$910/mo
Down Payment (5%)
$7,388
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 92363.
Estimated Monthly Payment
$1,064
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