ZIP Code 92386 — Sugarloaf, California

The median home in 92386 is valued at $358,200 against a median household income of $46,597, a price-to-income ratio of 7.7. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within San Bernardino County, 92386 ranks 75 of 76 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 46.9% of median household income (median rent $1,820 a month), above the 30% cost-burden threshold.

92386 ranks 1,458 of 1,558 statewide on median household income and 1,194 of 1,558 on median home value; its income is below the $71,552 San Bernardino County median. 61% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 36% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 29.2%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 8.1%.

With 897 residents per square mile across 2.3 square miles of land, 92386 is less dense than the statewide ZIP median of 1,120 (rank 815 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.