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San Bernardino

Current Mortgage Rates in San Bernardino, California

Compare mortgage rates and fees for leading lenders in San Bernardino, CA. 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 lender offering the best 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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Mortgage Rates in San Bernardino, CA as of April 9, 2020
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.
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How Do Today's San Bernardino, CA Mortgage Rates Compare?

April 9, 2020

The current average rate for a 30 year fixed rate mortgage in San Bernardino is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
San Bernardino, CA Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

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 $379,223

Based on current mortgage rates and a 10% down payment, you need to make $68,250 per year to buy the median priced home in San Bernardino

With this income, you could qualify for a $341,300 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 $1,581

The median household income for San Bernardino, CA is $60,279

Based on this income, you can afford a home valued at approximately $334,932

The home price you can afford to buy based on household income in San Bernardino is 88% of the median home value which means housing prices are expensive. San Bernardino ranks 30 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 expensive

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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: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for San Bernardino, CA

1 unit: $442,750
2 units: $566,800
3 units: $685,100
4 units: $851,450

VA loan limits for San Bernardino, CA

1 unit: $510,400

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