Cost of Living in San Bernardino, CA
Cost of Living in San Bernardino, CA has an overall index of 132, 32% above the U.S. baseline of 100. The typical home value is $483,764; typical monthly rent is $1,923; and median household income is $63,988.
Cost index: committed city housing/rent inputs and BEA 2024 metro-area price parities. Home value: Zillow ZHVI market signal as of 2026-02. Rent: Zillow ZORI market signal as of 2026-02. A place-level signal, not a personal affordability decision or financial recommendation.
Home prices are the main source of pressure. This describes the local market, not your household.
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Frequently asked questions about San Bernardino
Living in San Bernardino
Is San Bernardino, CA an expensive place to live?+
Yes — San Bernardino is about 32% more expensive than the national average, with an overall Cost Index of 132. Housing is the biggest factor: the typical home here is valued around $483,764, and monthly rents average roughly $1,923. Day-to-day costs like groceries and utilities tend to run closer to the national norm.
How does San Bernardino fit a household housing budget?+
Start with housing. Typical monthly rent is $1,923, while local median household income is $63,988. That implies a rent-burden proxy of about 36% before utilities and other costs. Use that as a planning signal for whether the place looks manageable under your own household assumptions.
How much are taxes in San Bernardino, CA?+
California uses a progressive model; 13.3% is top marginal-rate context. Applying the 0.71% state-level effective owner-occupied proxy to a home worth $483,764 gives a planning estimate near $3,435 per year; it is not a city, county, parcel, or individual tax bill. State plus average local sales-tax context is around 8.85%.
How much does it cost to rent in San Bernardino, CA?+
The typical monthly rent in San Bernardino is around $1,923. That's about 43% higher than the $1,348 national median. For comparison, the median home value here is $483,764, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in San Bernardino, CA?+
The typical home value in San Bernardino is $483,764. With 20% down and the committed 6.11% national 30-year fixed benchmark as of 2026-03-12, principal and interest are roughly $2,348/month before property tax and insurance. This is a planning estimate, not a local lender quote. About 49% of residents here own their homes.
Are groceries and utilities expensive in San Bernardino?+
Grocery prices in San Bernardino are about average compared to the rest of the US (index: 101, where 100 is the national average). Utility bills (electricity, gas, water) are on the high side (index: 149). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.
What is San Bernardino, CA like to live in?+
San Bernardino is a mid-sized city with a population of about 221,774. The median age of residents is 31.9, skewing younger — often a sign of a college town or fast-growing area. The local poverty rate is 19.53%, above the national average of 12.4%.