ZIP Code 92401 — San Bernardino, California

The median home in 92401 is valued at $296,000 against a median household income of $41,447, a price-to-income ratio of 7.1. 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, 92401 ranks 71 of 76 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.3. Renting takes 30.2% of median household income (median rent $1,042 a month), above the 30% cost-burden threshold.

92401 ranks 1,496 of 1,558 statewide on median household income and 1,332 of 1,558 on median home value; its income is below the $71,552 San Bernardino County median. 19% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 9% of adults hold a bachelor's degree or higher, far below the 31% median, and the poverty rate is 30.5%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 8.2%.

With 2,943 residents per square mile across 0.7 square miles of land, 92401 is far denser than the statewide ZIP median of 1,120 (rank 605 of 1,558). This is predominantly single-family residential with suburban street patterns.