San Bernardino County, California has a 2026 one-unit conforming loan limit of $832,750, which is 1.6 times the county's median home value of $505,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $85,478 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $505,000 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.65× |
| Median household income | $85,478 |
| Median home value ÷ income | 5.9× |
| Population | 2,197,104 |
| Median property tax paid (owners) | $3,538 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 62.1% |
| Home value rank in California | 29 of 58 counties |
| Neighbor: La Paz County, AZ | limit $832,750; median home $135,800 |
| Neighbor: Mohave County, AZ | limit $832,750; median home $281,000 |
| Neighbor: Inyo County, CA | limit $832,750; median home $348,700 |
| Neighbor: Kern County, CA | limit $832,750; median home $338,300 |
| Neighbor: Los Angeles County, CA | limit $1,249,125; median home $834,200 |
| Neighbor: Orange County, CA | limit $1,249,125; median home $962,600 |
| Neighbor: Riverside County, CA | limit $832,750; median home $557,300 |
| Neighbor: Clark County, NV | limit $832,750; median home $431,000 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. San Bernardino County's median home value is 31% below the state median of $734,700 (rank 29 of 58). Among its 8 neighboring counties, Orange County has the highest median home value ($962,600) and La Paz County the lowest ($135,800); 2 neighbor(s) have a different loan limit. Owners pay a median $3,538 a year in property tax, an effective rate of about 0.70% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: San Francisco County, CA
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- 2026 conforming loan limit: San Jacinto County, TX
- 2026 conforming loan limit: San Joaquin County, CA
Last updated 2026-10-16. Data only, not financial or tax advice.