Cost of Living in San Bernardino, CA

Population 221,774 · California · Data vintage 2023

119
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Most of San Bernardino's cost indicators track within a reasonable band of national figures, with median household incomes near $63,988 — a more representative starting point for relocation math than the headline-expensive or headline-cheap cities on either tail. Unemployment has stayed elevated relative to the national figure — 6.5% as of the most recent ACS release — which shows up in household-income and poverty figures as well.

Cost Overview

Housing 126
Rent 109

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in San Bernardino

The median home value in San Bernardino is $384,900 — 26% above the national median of $305,000. Median rent runs $1,433/month, 9% higher than the national median of $1,314/month. The median household income of $63,988/year is 14% lower than the US median of $74,580. The local unemployment rate is 6.5%, above the national average of 4.8%. California's top state income tax rate is 13.3% and the combined sales tax is 8.7%. Overall, San Bernardino has a cost of living index of 119 versus the US average of 100, meaning it is 19% more expensive.

🏠 Housing

Median Home Value
$384,900
26% above avg
Zillow Home Value
$483,763
Zillow ZHVI
Median Rent
$1,433/mo
9% above avg
Zillow Rent
$1,922/mo
Zillow ZORI
Price-to-Rent Ratio
22.4x
Favors renting
Property Tax Rate
0.7%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$1,195
1 BR
$1,241
2 BR
$1,544
3 BR
$2,163
4 BR
$2,556
Owner-occupied 48.5%
Renter-occupied 51.5%

💰 Estimated Monthly Budget

Rent median rent
$1,433
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $2,047/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
31.0 min
15% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
5.8%

Commute Mode

Drove alone
76.6%
Carpooled
12.9%
Public transit
1.4%
Walked
1.4%
Bicycle
0.1%
Work from home
5.8%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax 13.3%
Total Sales Tax 8.7%
State rate 7.3%
Avg local rate 1.4%
Property Tax 0.7%

💼 Income & Employment

Median Household Income
$63,988
14% below avg
Per Capita Income
$23,980
Unemployment Rate
6.5%
35% above avg
Poverty Rate
19.5%
Labor Force Participation
61.0%

🎓 Education

Bachelor's degree+ 9.0%
Graduate degree 3.9%

👥 Demographics

Median Age 31.9
Male median age 31.4
Female median age 32.3

💨 Air Quality

EPA AQS 2023 — county-level monitoring data

Median AQI 71 — Moderate
13.7%
Good air days/yr
214
Max AQI recorded
137
PM2.5 days
205
Ozone days

Frequently Asked Questions

What is the cost of living in San Bernardino, CA?

San Bernardino has a cost index of 119 (100 = national average). It is 19% above the national average.

What is average rent in San Bernardino, CA?

The median gross rent in San Bernardino is $1,433 per month based on 2023 Census data.

What is the average home price in San Bernardino?

The median home value in San Bernardino is $384,900 according to Zillow and Census data.

What is the median income in San Bernardino?

The median household income in San Bernardino is $63,988 per year (2023 ACS 5-year estimates).

What is the sales tax in San Bernardino, CA?

The combined state and local sales tax rate in San Bernardino is 8.7%. The California state income tax top rate is 13.3%.

Is San Bernardino, CA affordable?

San Bernardino is above average in cost of living, with an index of 119 — about 19% higher than the national average.