HomeCaliforniaSan Bernardino County
San Bernardino County, California: commercial real estate data.
San Bernardino County, California has a population of 2,197,104 across 20,057 square miles, up 1.5 percent since the 2020 census base. County output reached $137.91 bn in 2024, 42,571 establishments operate here, and the SBA record carries 2,512 7(a) approvals worth $1.61 bn.
129 sourced county values · tier FULL · 12 sections
San Bernardino County
How many people live in San Bernardino County
- Population2,197,104
- Households674,915
- Average household size3.26
- Median household income$85,478
- Median age34.7
- Median gross rent$1,801 per month
- Median owner-occupied home value$505,000
- Home value to household income5.9 times
- Annual rent as a share of median income25.3 percent
- Adults 25 and over with a bachelor degree or higher23.3 percent
- Adults 25 and over with a graduate degree8.4 percent
- Adults 25 and over1,421,562
- Population under 18560,378
- Share under 1825.5 percent
- Population 65 and over276,984
- Share 65 and over12.6 percent
- Working age population, 18 to 641,359,742
- Civilian labor force1,046,624
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over63.9 percent
- Rank by population among California counties5th of 58
- Rank by population among US county-equivalents14th
San Bernardino County is the 5th largest of 58 California counties by population. A median home costs 5.9 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents under 18 outnumber those 65 and over, at 25.5 percent against 12.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
San Bernardino County
Is San Bernardino County growing
- Population change since the 2020 census base1.50 percent
- Census 2020 base population2,181,664
- Births, 202425,478
- Deaths, 202415,874
- Natural change, 20249,604
- Net domestic migration, 2024-6,260
- Net international migration, 20249,984
- Total net migration, 20243,724
- Cumulative net domestic migration, 2021 to 2024-25,506
- Rank by growth among US county-equivalents1333rd
The county has grown 1.50 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
San Bernardino County
Where people moving to San Bernardino County come from
- Tax returns filed by households arriving49,508
- People arriving, from those returns92,393
- Adjusted gross income arriving$3.02 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$60,991
- Largest single originSan Bernardino County Non-migrants (796,652 households)
- Largest single destination (796,652 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| San Bernardino County Non-migrants | 796,652 | 1,650,769 | $55.51 bn |
| Los Angeles County | 20,446 | 39,796 | $1.29 bn |
| Riverside County | 10,126 | 18,863 | $557.2 m |
| Other flows - Different State | 4,078 | 7,339 | $231.6 m |
| Orange County | 3,786 | 6,797 | $291.4 m |
| Other flows - South | 1,817 | 3,324 | $96.9 m |
| San Diego County | 1,344 | 2,337 | $81.8 m |
| Other flows - Midwest | 908 | 1,646 | $53.9 m |
The largest single source of arrivals is San Bernardino County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
San Bernardino County
What the San Bernardino County economy runs on
- County GDP, 2024$137.91 bn
- County GDP, 2023$129.91 bn
- GDP change, 2023 to 20246.2 percent
- GDP change over five years36.5 percent
- Rank by GDP among California counties8th
- Rank by GDP among US county-equivalents36th
- GDP per resident$62,771
Output grew 6.2 percent in the latest year and 36.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
San Bernardino County
Who employs people in San Bernardino County
- Covered employment, annual average845,908
- Establishments reporting77,170
- Average annual pay$62,368
- Average weekly wage$1,199
- Sector 62, employment133,946
- Sector 62, average annual pay$60,345
- Sector 48-49, employment120,696
- Sector 48-49, average annual pay$62,263
- Sector 44-45, employment88,162
- Sector 44-45, average annual pay$43,648
- Sector 72, employment73,308
- Sector 72, average annual pay$29,287
- Sector 56, employment52,590
- Sector 31-33, employment50,339
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 133,946 | 37,818 | $60,345 |
| Sector 48-49 | 120,696 | 3,609 | $62,263 |
| Sector 44-45 | 88,162 | 5,399 | $43,648 |
| Sector 72 | 73,308 | 4,212 | $29,287 |
| Sector 56 | 52,590 | 2,324 | $44,948 |
| Sector 31-33 | 50,339 | 1,990 | $73,614 |
| Sector 23 | 40,959 | 4,205 | $79,944 |
| Sector 42 | 40,648 | 2,990 | $75,947 |
The largest sector is the biggest private employer group at 133,946 jobs, 15.8 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
San Bernardino County
What businesses operate in San Bernardino County
- Establishments, all industries42,571
- Employment at those establishments718,612
- Annual payroll$39.23 bn
- Establishments per 1,000 residents19.4
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
San Bernardino County
What is being built in San Bernardino County
- Housing units authorised by permit, 20246,226
- Declared construction value permitted$1.38 bn
- Single family units authorised3,617
- Multifamily units authorised2,609
- Multifamily share of units41.9 percent
- Average declared value per unit$221,409
- Units authorised per 1,000 households9.2
Multifamily is 41.9 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
San Bernardino County
How much SBA lending happens in San Bernardino County
- 7(a) approvals recorded2,512
- 7(a) gross approval dollars$1.61 bn
- Average 7(a) approval$641,038
- Median 7(a) approval$255,000
- 10th percentile approval$25,000
- 90th percentile approval$1,850,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)24,851
- Jobs per approval9.9
- Distinct 7(a) lenders active153
- Distinct industries receiving approvals421
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer27.0 percent
- Loans on real estate terms677
- Loans on working capital terms, 120 months or shorter1,776
- Franchise loans225
- Franchise share of approvals9.0 percent
- Leading industry by approval countFull-Service Restaurants (123)
- Most active lenderU.S. Bank, National Association (531)
- 504 approvals recorded1,339
- 504 gross approval dollars$1.47 bn
- Average 504 approval$1,100,255
- Median 504 approval$703,000
- Distinct CDCs active17
- 504 jobs per approval12.4
- 504 jobs per million dollars approved11.2
- Most active CDCCDC Small Business Finance Corp. (333)
- 7(a) share of SBA approvals65.2 percent
- Combined SBA approval dollars$3.08 bn
The average approval of $641,038 sits well above the median of $255,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 27.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
San Bernardino County
Do SBA loans in San Bernardino County get paid back
- Loans with a final outcome recorded511
- Paid in full462
- Charged off49
- Charge off rate on resolved loans9.6 percent
- Status: Cancelled367
- Status: Paid in full462
- Status: Exempt from disclosure1,518
- Status: Charged off49
- Status: Committed, not yet disbursed116
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 484110 | General Freight Trucking, Local | 49 | 5 | 10.2% |
| 484121 | General Freight Trucking, Long-Distance, Truckload | 21 | 1 | 4.8% |
| 722511 | Full-Service Restaurants | 21 | 3 | 14.3% |
| 447110 | Gasoline Stations with Convenience Stores | 18 | 0 | 0.0% |
| 722513 | Limited-Service Restaurants | 12 | 2 | 16.7% |
| 713940 | Fitness and Recreational Sports Centers | 12 | 3 | 25.0% |
| 811111 | General Automotive Repair | 12 | 0 | 0.0% |
| 721110 | Hotels (except Casino Hotels) and Motels | 11 | 0 | 0.0% |
Of the 511 loans that have reached a final outcome, 9.6 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong. Among industries with at least ten resolved loans, Fitness and Recreational Sports Centers carries the highest charge off rate at 25.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Bernardino County
Which parts of San Bernardino County get the lending
- Places in the county with recorded lending67
- RANCHO CUCAMONGA, approvals303
- Ontario, approvals297
- San Bernardino, approvals238
- CHINO, approvals203
- FONTANA, approvals194
- UPLAND, approvals149
| Place | Approvals | Gross approval dollars |
|---|---|---|
| RANCHO CUCAMONGA | 303 | $166,261,600 |
| Ontario | 297 | $214,275,200 |
| San Bernardino | 238 | $190,565,000 |
| CHINO | 203 | $139,742,700 |
| FONTANA | 194 | $112,123,500 |
| UPLAND | 149 | $87,419,800 |
| HESPERIA | 124 | $43,850,000 |
| VICTORVILLE | 113 | $38,316,400 |
RANCHO CUCAMONGA accounts for 303 approvals against 297 in Ontario. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Bernardino County
How big is San Bernardino County
- Land area20,057 sq mi
- Rank by land area among California counties1st of 58
- Width, east to west207.6 mi
- Height, north to south133.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land110
- Establishments per square mile2.12
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
San Bernardino County
What hazards affect San Bernardino County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book26
- Of those, participating in the NFIP26
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class2
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The best Community Rating System class in the county is 7, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a San Bernardino County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a San Bernardino County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population2,197,104
- Households674,915
- Average household size3.26
- Median household income$85,478
- Median age34.7
Common questions
San Bernardino County questions, answered from the record.
How many people live in San Bernardino County, California?
2,197,104, in 674,915 households, ranking 5th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is San Bernardino County growing?
The population has grown 1.50 percent since the 2020 census base. In 2024 there were 25,478 births against 15,874 deaths, with net migration of 3,724. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in San Bernardino County?
$85,478. The median owner-occupied home is valued at $505,000, which is 5.9 times income, and median gross rent is $1,801 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in San Bernardino County?
42,571 establishments, employing 718,612 people with an annual payroll of $39.23 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in San Bernardino County?
Average annual pay is $62,368, or $1,199 a week, across 845,908 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in San Bernardino County?
2,512 7(a) approvals totalling $1.61 bn since FY2020, across 153 lenders, with a median approval of $255,000, plus 1,339 504 approvals worth $1.47 bn. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in San Bernardino County get paid back?
Of the 511 loans that have reached a final outcome, 462 were paid in full and 49 charged off, a charge off rate of 9.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in San Bernardino County?
6,226 housing units were authorised by permit in 2024, with a declared construction value of $1.38 bn. Multifamily was 41.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for San Bernardino County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to San Bernardino County come from?
The largest single origin is San Bernardino County Non-migrants, with 796,652 households. Arriving households report an average income of $60,991 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for San Bernardino County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for San Bernardino County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.