CA mortgage rates

San Bernardino County

Clear, current 2026 mortgage and refinance loan limits for homeowners in San Bernardino County, California. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

San Bernardino County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$690,000
2 units$883,300
3 units$1,067,750
4 units$1,326,950

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in San Bernardino County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About San Bernardino

A local view of the market.

San Bernardino County, CA, has a growing real estate market, with median home values around $530,000 in 2024. The county’s affordability and proximity to Los Angeles make it attractive to families and commuters. San Bernardino, the largest city, has a population of around 222,000, while other cities like Fontana and Rancho Cucamonga have populations over 200,000 each. San Bernardino County offers an urban-suburban-rural mix with a strong economy in logistics, retail, and healthcare. Known for its affordability and diverse landscapes, the area appeals to those looking for varied lifestyles with access to both city amenities and outdoor recreation.

County snapshot

Market context.

CA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaRiverside-San Bernardino-OntarioMapped market area
Area code40140CBSA / MSA reference
Featured communitiesBarstow · Chino Hills · RialtoFrom the county record
Data year2026Aligned with this limit record
BarstowChino HillsRialto
Top cities & communities

Communities to explore.

BarstowChino HillsRialtoVictorvilleOntarioTwentynine PalmsYucca ValleyFontanaApple ValleyHighlandLoma LindaMontclairAdelantoHesperiaRedlandsYucaipaRancho CucamongaUplandSan BernardinoChinoColton
Questions & Answers

Refinancing in San Bernardino County

Common questions about 2026 loan limits and refinancing opportunities in California.

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