ZIP Code 92405 — San Bernardino, CA Home Prices (2026)
The typical home in ZIP 92405 (San Bernardino, California) is worth about $458,000 at roughly $369 per square foot — about the same as the San Bernardino median and 56% more expensive than the typical U.S. home.
How 92405 compares
ZIP 92405 is a mid-priced ZIP code for San Bernardino: its typical home value of $458,000 ranks #4 of the 7 San Bernardino ZIP codes we track (the citywide range runs from $378,000 in 92401 to $547,000 in 92407). Per square foot it costs about $369, against $369 for San Bernardino as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 92405 | $458,000 | $369 |
| San Bernardino, CA | $458,000 | $369 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 92405
Using this ZIP’s rate of about $369 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $369,000 |
| 1,500 sq ft | $553,500 |
| 2,000 sq ft | $738,000 |
| 2,500 sq ft | $922,500 |
| 3,000 sq ft | $1,107,000 |
Salary needed to buy a home in ZIP 92405
To buy the typical $458,000 home in ZIP 92405 with 20% down, you need a household income of roughly $125,000 a year (about $2,910 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $148,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,900 | $3,610/mo | $155,000/yr |
| 10% (+PMI) | $45,800 | $3,450/mo | $148,000/yr |
| 20% | $91,600 | $2,910/mo | $125,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 92405
At about $369 per square foot, here is roughly how much home different budgets get you in ZIP 92405:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 680 sq ft | below the local median — condos, smaller or older homes |
| $300k | 810 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1080 sq ft | around the typical home here |
| $500k | 1360 sq ft | around the typical home here |
| $600k | 1630 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 92405 home.
Estimate a specific home in 92405
The estimator below is pre-set to ZIP 92405 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All San Bernardino ZIP codes by home value
Where 92405 sits among San Bernardino’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 92407 | $547,000 | $326 |
| 2 | 92404 | $488,000 | $369 |
| 3 | 92408 | $481,000 | $373 |
| 4 | 92405 (this page) | $458,000 | $369 |
| 5 | 92410 | $446,000 | $416 |
| 6 | 92411 | $434,000 | $491 |
| 7 | 92401 | $378,000 | $236 |
ZIP 92405 home prices: frequently asked
What is the average home price in ZIP code 92405? +
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See the full San Bernardino home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.