Skyline of San Bernardino
Cost of Living: 108.5 222,101

San Bernardino, CA, US

Inland Empire city with Route 66 history, mountains, and more affordable than coastal CA.

Updated September 12, 2026

Overview

San Bernardino is a city in CA with a population of 222,101. Inland Empire city with Route 66 history, mountains, and more affordable than coastal CA. Housing costs are close to the national average. Gardening thrives here — the 6a growing zone supports Cool to mild — apples, pears, berries, many vegetables. A relatively small share of residents hold a bachelor’s degree. The city enjoys abundant sunshine, with about 280 sunny days a year. Reported crime rates are relatively high. The population skews young, with a median age of 31.9.

Last updated: September 12, 2026

Cost of Living 108.5

Above Average vs US Avg (100)

Housing Index 102.4

Above Average

Median Income $48,000

Household income

Unemployment 5.8%

Job market health

San Bernardino vs US Average

Cost of Living
San Bernardino: 108.5
US Avg: 100
Housing Index
San Bernardino: 102.4
US Avg: 100
State Income Tax
San Bernardino: 9.3%
US Avg: ~5%

Taxes

  • State Income Tax: 9.3%
  • Sales Tax: 7.8%

Economy & Jobs

  • Median Income: $48,000
  • Unemployment: 5.8%
  • Population: 222,101

Climate

  • Sunny Days: 280/year
  • Summer High: 96°F
  • Winter Low: 42°F
  • Farming Zone: USDA Zone 6a

Housing

  • Median Home: $420,000
  • 1BR Rent: $1450/mo

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Cost of Living

San Bernardino's cost of living index is 108.5 (US average = 100).

CategorySan BernardinoNational AverageDifference
Overall108.5100+8.5%
Housing102.4100+2.4%

Data source: Council for Community and Economic Research (C2ER), 2026

Housing Market

MetricValue
Median Home Price$420,000
Median Rent (1BR)$1450/mo
Median Rent (2BR)$1,813/mo
Price per Sq Ft$280

Data source: Zillow Research, 2026

True Cost of Home Ownership

True Cost of Home Ownership

See what you'll really pay over 30 years

$
%
$90,000 down
%
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$

Utilities

Estimated monthly utility costs for a typical household in San Bernardino:

UtilityEstimated Monthly CostNotes
Electricity$230Based on ~900 kWh/month typical US household usage
Heating & Cooling$32Estimated based on local climate. Gas or electric
Cooling (AC)$81Estimated based on local climate and electricity rates
Water$85Includes sewer
Internet (100+ Mbps)$65Broadband average
Garbage / Trash$35Private service
Total Utilities$528Monthly estimate (including heating & cooling)

Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow

Remote Work Score

San Bernardino scores —/100 for remote work readiness:

Cost of Living
— 108.5
Rent
— $1450
Sunny Days
— 280
Tax
— 9.3%
Unemployment
— 5.8%
Climate
— 96°F / 42°F
Safety
— 11.2 homicides/100k
Population
— 222,101
Internet Speed
— 200 Mbps

Climate

San Bernardino has a varied climate with distinct seasons.

MonthAvg HighAvg LowRainfall
January62°F42°F2.5"
April81°F57°F2.8"
July96°F71°F1.5"
October76°F60°F2.2"
USDA Zone 6a

Cool to mild — apples, pears, berries, many vegetables

Natural Hazards

San Bernardino faces the following natural hazards:

Wildfire Extreme Risk

Frequent and severe wildfire seasons.

Earthquake High Risk

Located on the San Andreas Fault system with frequent seismic activity.

Heat Wave High Risk

Extreme summer heat in inland and desert regions.

Drought High Risk

Frequent and severe drought conditions.

Landslide High Risk

Coastal and mountainous regions with frequent landslides.

Avalanche High Risk

Sierra Nevada with frequent avalanches.

Flood Moderate Risk

Flash floods and river flooding.

Sandstorm Moderate Risk

Dust storms in desert regions.

Based on historical records and geographic risk assessment.

Taxes

  • State Income Tax: 9.3%
  • Sales Tax: 7.75%
  • Property Tax: ~0.95% of assessed value

Economy & Jobs

Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 5.8%.

Crime & Safety

Crime rates in San Bernardino per 100,000 residents:

897.1
Violent Crime
2,897.7
Property Crime
11.2
Homicide

Data source: FBI Uniform Crime Reporting

Schools & Education

41/100
School Quality Score
Better than 1% of US cities
?
79
Total Schools
18.2:1
Student:Teacher
90.1%
Free/Reduced Lunch

Data source: National Center for Education Statistics (NCES)

Demographics

The population of San Bernardino is diverse. The figures below show the ethnic, educational, and religious composition of the local population.

Ethnicity

Asian
3.9%
Black or African American
11.2%
Hispanic or Latino
69.6%
Native American
0.2%
Native Hawaiian or Pacific Islander
0.3%
Other
0.4%
Two or more races
2.7%
White
11.8%

Education

Bachelor's degree or higher
12.8%
High school graduate
34.7%
Less than high school
26.2%
Some college
26.3%

Religion

Buddhist
2.0%
Christian
58.0%
Hindu
2.0%
Jewish
3.0%
Muslim
2.0%
Unaffiliated
33.0%

Data source: US Census Bureau American Community Survey (ACS) (2023)

Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.

Frequently Asked Questions

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

The cost of living index in San Bernardino is 108.5, which is Higher the US national average of 100.

How much does it cost to buy a home in San Bernardino?

The median home price in San Bernardino is $420,000. The housing index is 102.4.

What is the average rent for a 1-bedroom apartment?

The average rent for a 1-bedroom apartment in San Bernardino is approximately $1450/mo.

Does San Bernardino, CA have income tax?

San Bernardino is in CA, which has an income tax rate of 9.3%.

What is the climate like in San Bernardino?

San Bernardino enjoys approximately 280 sunny days per year. Summer highs reach around 96°F, while winter lows can drop to around 42°F.

Data Sources

  • Cost of Living: Council for Community and Economic Research (C2ER), 2026
  • Housing Data: Zillow Research, 2026
  • Income & Employment: US Census Bureau American Community Survey, 2024
  • Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow

Data last updated: September 13, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.