AreaProfile

92404San Bernardino, California

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 92404.

47
Area Score
Bottom 6% of 3,833 published profiles

How we calculate this

How this area ranks
Opportunity3707th of 4,073 published ZIP areas31
Growth2249th of 3,947 published ZIP areas46
Housing affordability3821st of 4,553 published ZIP areas50
ClimateTop 7% of 4,621 published ZIP areas90
Physical resilience4413th of 4,554 published ZIP areas7
AccessTop 2% of 4,623 published ZIP areas100
Economic stability3289th of 4,591 published ZIP areas48
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.6% and the Opportunity signal places 92404 in the bottom 9%.

Housing costs more relative to local incomes than in most published city profiles, with rent taking 27% of median household income.

Physical-risk exposure is above the national median, driven mainly by inland flooding, earthquake and wildfire.

At a glance

Population
63,243
2024 ACS 5-Year
Median household income
$66,701
Bottom 42% nationally
Density
2,002/sq mi
31.6 sq mi of land
Median age
32.5
2024 ACS 5-Year
City
San Bernardino
California
Metro area
Riverside-San Bernardino-Ontario, CA
Nearest major airport
SBD
6 mi · San Bernardino Intl
Median home value
$426,300
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.6% is lower than 13% of the 4,387 measured US ZIP areas.

Employment fell 1.4% over the past year, to 95,924 employed residents.

MetricValueCompared with peersSource period
Median household income ±$5,271$66,701Bottom 42%2024 ACS 5-Year
Per capita income ±$1,190$25,579Bottom 14%2024 ACS 5-Year
Poverty rate19.1%Top 20%2024 ACS 5-Year
Average commute34.4 minTop 20%2024 ACS 5-Year
Bachelor's degree or higher10.6%Bottom 13%2024 ACS 5-Year
Employment95,924Top 27%June 2026
Employment change (3 years)0.7%Top 41%June 2026
Employment change (year over year)-1.4%Bottom 38%June 2026
Labor force101,565Top 27%June 2026
Labor force participation61.5%Top 47%2024 ACS 5-Year
Mean annual wage$65,160Bottom 36%2025 OEWS
Median annual wage$48,400Bottom 28%2025 OEWS
Unemployment change (year over year)-0.8%Bottom 9%June 2026
Unemployment rate5.6%Top 13%June 2026
Median household income, successive ACS releases
202120222023202467k55k
Each point is a separate five-year estimate, most recently $66,701 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Riverside-San Bernardino-Ontario, CA
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides102,760$34,320
Stockers and Order Fillers77,160$43,200
Laborers and Freight, Stock, and Material Movers, Hand69,820$46,060
Fast Food and Counter Workers51,310$42,280
Retail Salespersons41,270$36,720
Heavy and Tractor-Trailer Truck Drivers40,230$60,580

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for San Bernardino, CA, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $1,476 takes 27% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 6.4 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
26.6%
Below the 30% cost-burdened threshold
Home price to income
6.4×
median home value ÷ median income
Median gross rent
$1,476
2024 ACS 5-Year
Median home value
$426,300
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income6.39Top 8%2024 ACS 5-Year
Homeownership rate50.1%Bottom 9%2024 ACS 5-Year
Housing units ±76319,743Top 4%2024 ACS 5-Year
Median gross rent ±$53$1,476Top 23%2024 ACS 5-Year
Median home value ±$11,615$426,300Top 18%2024 ACS 5-Year
Rent as a share of income26.6%Top 11%2024 ACS 5-Year
Vacancy rate3.7%Bottom 16%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
46/ 100
Ranks 2249 of 3,947 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

76% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 0.5 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
102
12 months ending July 2026
Per 1,000 residents
0.5
Bottom 12% nationally
Year over year
+127%
vs the prior twelve months
Multifamily share
76.5%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for San Bernardino, CA, the city containing this ZIP code.

Weather & climate

11 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 93°F and January a low of 44°F.

Normal annual precipitation is 9.4 inches.

30°50°70°90°110°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station RIVERSIDE MUNI AP, 19.4 miles from this location.
Precipitation
JFMAMJJASOND2.4"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation9.4"1991-2020 Normals
Average January low44°F1991-2020 Normals
Average July high93°F1991-2020 Normals
Comfortable months111991-2020 Normals
Seasonal temperature swing25°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

7 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, earthquake and wildfire.

WildfireHigh
EarthquakeHigh
Inland floodingHigh
AvalancheModerate

Low or minimal exposure: landslide, heat wave, strong wind, lightning, hail, tornado, winter weather, drought, volcanic activity, cold wave.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

8 major airports lie within 100 miles, the nearest 6 miles away.

AirportCodeDistanceLongest runway
San Bernardino IntlSBD6 mi10,000 ft
Ontario IntlONT22 mi12,197 ft
Palm Springs IntlPSP48 mi10,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
47
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

92404 vs San Bernardino

How this ZIP area compares with San Bernardino as a whole. Both figures come from the same ACS release, so the comparison is like for like.

92404
San Bernardino
Median household income
$66,701
vs
$67,415
Per capita income
$25,579
vs
$25,328
Population density
2,002/sq mi
vs
3,586/sq mi
Median home value
$426,300
vs
$422,300
Median gross rent
$1,476
vs
$1,508
Homeownership rate
50.1%
vs
50.0%
Bachelor's degree or higher
10.6%
vs
13.1%
Poverty rate
19.1%
vs
18.6%
Median age
32.5
vs
32.2

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.