HomeCaliforniaSan Bernardino County
San Bernardino County, California: commercial real estate data.
San Bernardino County, California had an estimated 2,214,281 residents on July 1, 2024, up 1.5 percent since the 2020 census base of 2,181,664, across 20,057 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
San Bernardino County
How many people live in San Bernardino County
- Population, American Community Survey 2020-20242,197,104
- 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-equivalents, Puerto Rico included14th of 3,222
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 severely unaffordable by national standards. 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's population growing?
- Population, July 1, 20242,214,281
- Census 2020 base population2,181,664
- Population change since the 2020 census base1.50 percent
- Population change, 2023 to 202413,476
- 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 of 3,144
The county has grown 1.50 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
San Bernardino County
Where are people moving to San Bernardino County from?
- Tax returns filed by households arriving49,508
- People arriving, from those returns92,393
- Tax returns filed by households leaving52,444
- Net household movement-2,936
- Adjusted gross income arriving$3.02 bn
- Net adjusted gross income movement$-429.0 m
- Average income of an arriving household$60,991
- Average income of a leaving household$65,756
- Largest single originLos Angeles County (20,446 households)
- Largest single destinationRiverside County (11,769 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Los Angeles County | 20,446 | 39,796 | $1.29 bn |
| Riverside County | 10,126 | 18,863 | $557.2 m |
| Orange County | 3,786 | 6,797 | $291.4 m |
| San Diego County | 1,344 | 2,337 | $81.8 m |
| Clark County | 871 | 1,625 | $38.9 m |
| Maricopa County | 546 | 920 | $26.6 m |
| Kern County | 389 | 729 | $19.9 m |
| Ventura County | 302 | 490 | $22.2 m |
Households arriving report $4,765 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Los Angeles County, 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 is the San Bernardino County economy?
- 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 the California areas BEA publishes8th of 58
- Rank by GDP among the US county areas BEA publishes36th of 3,127
- 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
Employment by industry in San Bernardino County
- Covered employment, annual average845,908
- Establishments reporting77,170
- Average annual pay$62,368
- Average weekly wage$1,199
- Health care and social assistance, employment133,946
- Health care and social assistance, average annual pay$60,345
- Transportation and warehousing, employment120,696
- Transportation and warehousing, average annual pay$62,263
- Retail trade, employment88,162
- Retail trade, average annual pay$43,648
- Accommodation and food services, employment73,308
- Accommodation and food services, average annual pay$29,287
- Administrative and support and waste management services, employment52,590
- Manufacturing, employment50,339
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 133,946 | 37,818 | $60,345 |
| Transportation and warehousing | 120,696 | 3,609 | $62,263 |
| Retail trade | 88,162 | 5,399 | $43,648 |
| Accommodation and food services | 73,308 | 4,212 | $29,287 |
| Administrative and support and waste management services | 52,590 | 2,324 | $44,948 |
| Manufacturing | 50,339 | 1,990 | $73,614 |
| Construction | 40,959 | 4,205 | $79,944 |
| Wholesale trade | 40,648 | 2,990 | $75,947 |
Health care and social assistance is the largest private sector at 133,946 jobs, 15.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
San Bernardino County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
San Bernardino County
Building permits in San Bernardino County
- Housing units authorized by permit, 20246,226
- Declared construction value permitted$1.38 bn
- Single family units authorized3,617
- Multifamily units authorized2,609
- Multifamily share of units41.9 percent
- Average declared value per unit$221,409
- Units authorized per 1,000 households9.2
Multifamily is 41.9 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
San Bernardino County
SBA loans in San Bernardino County (7(a) and 504)
- 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$1,849,950
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$3.08 bn
The average approval of $641,038 sits well above the median of $255,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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% |
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 30 resolved loans, General Freight Trucking, Local carries the highest charge-off rate at 10.2 percent.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
San Bernardino County
SBA lending by place in San Bernardino County
- Borrower cities with recorded lending66
- Rancho Cucamonga, approvals303
- Ontario, approvals297
- San Bernardino, approvals238
- Chino, approvals203
- Fontana, approvals194
- Upland, approvals149
| Borrower city | 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 |
| 58 other borrower cities | 891 | $617,732,400 |
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 large 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 boundary8
- 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
Flood risk in San Bernardino County
- Participation of the county's own NFIP community San Bernardino County, unincorporated areasParticipating, community 060270
- Communities in the county 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
- Radon levels in San Bernardino County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated San Bernardino County (community 060270), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places San Bernardino County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-20242,197,104
- 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?
The Census Bureau estimates 2,214,281 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 1.50 percent since the 2020 census base of 2,181,664, to 2,214,281 on July 1, 2024. 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 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 employment by industry in San Bernardino County?
Health care and social assistance is the largest private sector at 133,946 jobs, 15.8 percent of covered employment. Covered employment averages 845,908 jobs at an average annual pay of $62,368, or $1,199 a week. 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 totaling $1.61 bn since FY2020, across 153 lenders, with a median approval of $255,000, plus 1,339 504 approvals worth $1.47 bn since FY2010. 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.
How many building permits were issued in San Bernardino County?
6,226 housing units were authorized 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 Los Angeles County, with 20,446 households. Arriving households report an average income of $60,991 against $65,756 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
San Bernardino County
Cities and places in San Bernardino.
52 Census places lie wholly or partly in San Bernardino County. All 52 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| San Bernardino | city | 222,724 | 238 | Wholly in this county |
| Fontana | city | 214,169 | 194 | Wholly in this county |
| Ontario | city | 180,547 | 297 | Wholly in this county |
| Rancho Cucamonga | city | 175,411 | 303 | Wholly in this county |
| Victorville | city | 137,627 | 113 | Wholly in this county |
| Rialto | city | 104,143 | 78 | Wholly in this county |
| Hesperia | city | 100,775 | 124 | Wholly in this county |
| Chino | city | 92,652 | 203 | Wholly in this county |
| Upland | city | 79,257 | 149 | Wholly in this county |
| Chino Hills | city | 77,927 | 83 | Wholly in this county |
| Apple Valley | town | 75,473 | 72 | Wholly in this county |
| Redlands | city | 73,375 | 107 | Wholly in this county |
| Highland | city | 56,675 | 36 | Wholly in this county |
| Yucaipa | city | 54,421 | 62 | Wholly in this county |
| Colton | city | 53,772 | 55 | Wholly in this county |
| Adelanto | city | 37,964 | 12 | Wholly in this county |
| Montclair | city | 37,810 | 66 | Wholly in this county |
| Twentynine Palms | city | 27,355 | 15 | Wholly in this county |
| Bloomington | CDP | 25,698 | 26 | Wholly in this county |
| Loma Linda | city | 25,122 | 15 | Wholly in this county |
| Barstow | city | 25,100 | 33 | Wholly in this county |
| Yucca Valley | town | 21,770 | 33 | Wholly in this county |
| Phelan | CDP | 18,496 | 8 | Wholly in this county |
| Grand Terrace | city | 13,078 | 10 | Wholly in this county |
| Muscoy | CDP | 12,025 | None recorded | Wholly in this county |
| Big Bear City | CDP | 11,431 | 8 | Wholly in this county |
| Lake Arrowhead | CDP | 10,639 | 10 | Wholly in this county |
| Crestline | CDP | 9,835 | 9 | Wholly in this county |
| Mentone | CDP | 9,514 | 2 | Wholly in this county |
| Spring Valley Lake | CDP | 9,483 | None recorded | Wholly in this county |
| Oak Hills | CDP | 9,013 | 5 | Wholly in this county |
| Fort Irwin | CDP | 8,419 | None recorded | Wholly in this county |
| Piñon Hills | CDP | 7,065 | 7 | Wholly in this county |
| Silver Lakes | CDP | 6,977 | None recorded | Wholly in this county |
| Joshua Tree | CDP | 6,234 | 9 | Wholly in this county |
| Lucerne Valley | CDP | 5,957 | 4 | Wholly in this county |
| Wrightwood | CDP | 5,067 | 4 | Wholly in this county |
| Big Bear Lake | city | 5,041 | 46 | Wholly in this county |
| Running Springs | CDP | 4,917 | 11 | Wholly in this county |
| Needles | city | 4,872 | 9 | Wholly in this county |
| Morongo Valley | CDP | 4,209 | 4 | Wholly in this county |
| Mountain View Acres | CDP | 3,512 | None recorded | Wholly in this county |
| San Antonio Heights | CDP | 3,458 | None recorded | Wholly in this county |
| Lenwood | CDP | 3,383 | None recorded | Wholly in this county |
| Homestead Valley | CDP | 2,689 | None recorded | Wholly in this county |
| Searles Valley | CDP | 1,713 | None recorded | Wholly in this county |
| Big River | CDP | 1,140 | None recorded | Wholly in this county |
| Yermo | CDP | 958 | 1 | Wholly in this county |
| Lytle Creek | CDP | 672 | None recorded | Wholly in this county |
| Oak Glen | CDP | 510 | None recorded | Wholly in this county |
| Baker | CDP | 339 | 3 | Wholly in this county |
| Bluewater | CDP | 177 | None recorded | Wholly in this county |
A further 48 of the county's 2,512 SBA 7(a) approvals are to borrowers in cities that match no Census place in San Bernardino County, the largest being Angelus Oaks (5), Pioneertown (4), Pomona (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.