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Lender Tables
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Compare Current San Bernardino, California Mortgage Rates
Compare San Bernardino, CA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in San Bernardino.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in San Bernardino. Plus, shopping lenders is free and there is no obligation.
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San Bernardino, CA Mortgage Rates as of July 26, 2025
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's San Bernardino, CA Mortgage Rates
July 26, 2025
Current mortgage rates in San Bernardino, CA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's San Bernardino, CA Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in San Bernardino, California?
Below we provide helpful information on the real estate market, home prices and housing affordability in San Bernardino. Understand how much you need to earn to afford a home in San Bernardino, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in San Bernardino fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in San Bernardino is right for you.
The median home value for San Bernardino, CA is $491,837
Based on current mortgage rates and a 10% down payment, you need to make $102,605 per year to buy the median priced home in San Bernardino
With this income, you could qualify for a $442,653 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in San Bernardino is $2,376
The median household income for San Bernardino, CA is $75,939
Based on this income, you can afford a home valued at approximately $364,012
The home price you can afford to buy based on household income in San Bernardino is 74% of the median home value which means housing prices are very expensive.
San Bernardino ranks 33 out of 58 counties in California and 3,054 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in San Bernardino, CA is very expensive
Loan Limits for San Bernardino, California
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for San Bernardino below.
Conforming loan limits for San Bernardino, CA
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for San Bernardino, CA
1 unit:$644,000
2 units:$824,450
3 units:$996,550
4 units:$1,238,500
VA loan limits for San Bernardino, CA
1 unit:$726,200
Additional Mortgage Resources for San Bernardino, CA Residents