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San Bernardino Introduction
The county seat for San Bernardino county, the City of San Bernardino, is located in the Inland Empire in Southern California. It is located one hour east of Los Angeles. San Bernardino is a city of nearly 205,000 people according to 2005 U.S. Census Bureau estimates. This represented an increase of approximately 20,000 people from the 2000 census.
San Bernardino Neighborhoods
San Bernardino does not really have neighborhoods with official names. Rather, San Bernardino's neighborhoods have taken the name of their location, or tract. Some of the neighborhoods in San Bernardino include: the Bench or Rialto Bench, Del Rosa, Delmann Heights, Holcolmb Hill, Mountain Shadows, Northpark, Verdemont, and the west side.
San Bernardino Real Estate
There were 66,871 housing units in San Bernardino as of 2005 according to U.S. Census Bureau estimates. Of these, 94.8% were occupied, and 53.5% were owner occupied. The owner occupancy rate in San Bernardino was below the national average in 2005 (66.9%).
San Bernardino's status as one of the older cities in California is reflected in the relative age of its housing. Over two thirds (70.4%) of San Bernardino housing was built prior to 1980. A third (33.9%) was built prior to 1960. Of the remainder, 16.4% was built in the 1980s, 10.9% in the 1990s, and only 2.2% since the new millennium. The "typical" San Bernardino home has 4 to 7 rooms and 2 to 3 bedrooms. Only 7.7% have 8 or more rooms, and 13.4% have 4 or more bedrooms.
Housing in San Bernardino is relatively inexpensive by California standards. The median value of a San Bernardino house in 2005 was less than twice the national average at $243,400. This still represented a substantial increase in value from 2000 when the value of a San Bernardino home was $98,700.
Recent prices for San Bernardino real estate range from an average selling price of $229,000 for a 1 bedroom, to $363,000 for 4 bedrooms (as of December of 2006). The San Bernardino housing market is generally considered to be "hot" when compared to the rest of California. There is a lot of interest and activity in the real estate market.
In 2005, San Bernardino home owners paid a median of $1,236 in monthly housing costs, which was below the national average. 77% of owner occupied homes in San Bernardino had a mortgage in 2005. Of these, a relatively small number (14.9%) had a second mortgage and/or a home equity line of credit (HELOC).
San Bernardino Property Taxes
The County of San Bernardino Treasurer-Tax Collector/Public Administrator is responsible for collecting San Bernardino's property taxes. The San Bernardino County Office of the Assessor determines the current assessed value of vacant land, improved real estate, business property, and certain other property for tax purposes. In 2005, the median property tax bill for an owner occupied home in San Bernardino was $1,078.
San Bernardino Schools
The majority of San Bernardino is served by the San Bernardino City Unified School District. Small parts are served by the Colton Joint Unified School District, the Redlands Unified School District, and the Rialto Unified School District. The San Bernardino City Unified School District has 65 schools and a student enrollment of approximately 57,000. Since 2000, two of San Bernardino's schools (1 elementary, and 1 middle) have earned "Distinguished School Awards" from the California School Recognition Program.
Colleges and Universities located in San Bernardino include California State University at San Bernardino, and San Bernardino Valley College.
San Bernardino Economy
The big drivers of the San Bernardino economy are education, health, and social services; retail trade; and manufacturing. Major employers include: Wal-Mart, Stater Brothers Markets, Loma Linda University Medical Center, the County of San Bernardino, and the County of Riverside.
In 2005, San Bernardino's median family income was $34,925, well below the national average in 2005 of $55,832.
>San Bernardino and California Mortgage and/or Real Estate Organizations
| Category | Value |
|---|---|
| Homes With No Mortgage | 21% |
| With A Mortgage | 79% |
| First Mortgage Only | 60% |
| Second Mortgage or Home Equity Loan | 18% |
| Second Mortgage Only | 14% |
| Home Equity Loan Only | 5% |
| Category | Value |
|---|---|
| Owner Costs as % of Income | 22.2% |
| Median Real Estate Taxes (2000) | $794 |
| Category | Value |
|---|---|
| Total Occupied | 56,174 |
| 1-Person Households | 21% |
| 2-Person Households | 25% |
| 3-Person Households | 16% |
| 4-Person Households | 15% |
| 5-Person Households | 11% |
| 6-Person Households | 6% |
| 7+-Person Households | 6% |
| Category | Value |
|---|---|
| Median Year Built | 1968 |
| Median Year Built (Owner Occupied) | 1964 |
| Median Year Built (Renter Occupied) | 1971 |
| Category | Value |
|---|---|
| Using Utility Co. Gas Heat | 88% |
| Using Bottled/Tank Gas Heat | 1% |
| Using Electric Heat | 9% |
| Using Oil Heat | 0% |
| Using Coal | 0% |
| Using Wood Heating | 1% |
| Using Solar Heat | 0% |
| Other Heating | 0% |
| No Heating | 1% |
| Category | Value |
|---|---|
| No Bedrooms | 4% |
| 1 Bedroom | 9% |
| 2 Bedrooms | 25% |
| 3 Bedrooms | 42% |
| 4 Bedrooms | 18% |
| 5+ Bedrooms | 2% |
Rate quotes from multiple lenders for the San Bernardino area:
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