San Bernardino County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.86, -116.18.
Assembled 2026-10-19. Read the brief.
- 95th pct · 152nd of 3,063 US counties · median $230,451
- 57th pct · 25th of 58 California counties · median $494,569
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
- 28th pct · 2,180th of 3,062 US counties · median +2.9%
- 63rd pct · 22nd of 58 California counties · median +0.4%
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
- 94th pct · 82nd of 1,358 US counties · median $1,506
- 53rd pct · 23rd of 48 California counties · median $2,448
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
- 99th pct · 23rd of 3,221 US counties · median 8,232
- 91st pct · 6th of 58 California counties · median 74,865
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
- 78th pct · 684th of 3,221 US counties · median $1,039
- 52nd pct · 28th of 58 California counties · median $1,206
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
- 94th pct · 160th of 3,063 US counties · median 4.2
- 66th pct · 20th of 58 California counties · median 7.2
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $548,565 (Sep 2026), +0.9% over one year, +17.6% over five
- 95th pct · 152nd of 3,063 US counties · median $230,451
- 57th pct · 25th of 58 California counties · median $494,569
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| San Bernardino County, CA | $548,565 · +0.9% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $2,479/mo (Sep 2026), +3.1% over one year; price-to-rent 18.4
- 94th pct · 82nd of 1,358 US counties · median $1,506
- 53rd pct · 23rd of 48 California counties · median $2,448
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| San Bernardino County, CA | $2,479/mo · +3.1% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $3,039 a month on $548,565 at 7.40%, against an average weekly wage worth $5,313 a month: 57.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $548,565 × 80% = $438,852, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $3,039/mo principal and interest
- wage share = payment / (avg weekly wage $1,226 × 52 / 12 = $5,313) = 57% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $548,565 / ($1,226 × 52) = 8.6
- price-to-rent = $548,565 / ($2,479 × 12) = 18.4
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
845,978 jobs at 85,331 employers (2026 Q1); +0.2% jobs and +0.9% average weekly wage over the year
- 99th pct · 23rd of 3,221 US counties · median 8,232
- 91st pct · 6th of 58 California counties · median 74,865
- counties in the Riverside-San Bernardino-Ontario metro: Rank context is unavailable: the manifest lists 2 counties in the Riverside-San Bernardino-Ontario metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| San Bernardino County, CA | 845,978 jobs · $1,226/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 150,253 | $1,118 | 1.18 | +8.2% |
| Transportation and warehousing | 112,057 | $1,138 | 3.14 | -6.0% |
| Retail trade | 84,464 | $845 | 1.02 | -1.9% |
| Accommodation and food services | 74,468 | $590 | 0.98 | +3.5% |
| Administrative and waste services | 51,017 | $885 | 1.06 | +0.6% |
| Manufacturing | 47,759 | $1,589 | 0.70 | -6.9% |
| Construction | 38,215 | $1,538 | 0.86 | -0.2% |
| Wholesale trade | 36,452 | $1,591 | 1.12 | -8.6% |
| Professional and technical services | 22,246 | $1,501 | 0.38 | -2.1% |
| Other services | 22,191 | $945 | 0.88 | -2.8% |
| Educational services | 14,312 | $955 | 0.79 | +5.4% |
| Finance and insurance | 11,936 | $2,055 | 0.35 | +9.9% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$38.3 bn in deposits at 200 offices of 29 banks (SOD June 2026); HHI 1,508, moderately concentrated. $11.7 bn federal obligations in FY2026 (direct payments $10.1 bn, contracts $991.2 m), $13,874 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $9.7 bn · 25.2% share · 37 offices | |
| Bank of America, National Association | $8.3 bn · 21.5% share · 28 offices | |
| Wells Fargo Bank, National Association | $5.9 bn · 15.3% share · 28 offices | |
| San Bernardino, CA | $11.7 bn FY2026 · $13,874/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $9,650,497,000 | 25.2% | 37 |
| Bank of America, National Association | $8,250,454,000 | 21.5% | 28 |
| Wells Fargo Bank, National Association | $5,872,890,000 | 15.3% | 28 |
| U.S. Bank National Association | $3,669,347,000 | 9.6% | 34 |
| Citizens Business Bank, National Association | $2,495,788,000 | 6.5% | 8 |
| Citibank, National Association | $1,398,000,000 | 3.6% | 7 |
| Flagstar Bank, National Association | $1,184,665,000 | 3.1% | 8 |
| East West Bank | $999,955,000 | 2.6% | 3 |
| Banc of California | $679,085,000 | 1.8% | 5 |
| Fifth Third Bank, National Association | $645,391,000 | 1.7% | 3 |
Deposit concentration is 1,508 across 29 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 29 banks with deposits in the county = 25.2² + 21.5² + 15.3² + … (26 more) = 1,508
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
That is $13,874 per covered job, against 845,978 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $11.7 bn / 845,978 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,874
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 17.95 | 2026-10-18 | -2.6% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.20 | 2026-10-19 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
San Bernardino County, CA: 13 findings, 4 at a watch level and 9 noted
watchSan Bernardino County, CA's years of wages of 8.6 ranks 160th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: yearsOfWages percentile = 94.80731548007839 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchSan Bernardino County, CA's typical asking rent of $2,479 scores 94 on the 0-to-100 scale across US counties but 53 across California counties, a gap of 41 points.
Period 2026-09.Show the arithmetic
- 41 = |94 across US counties - 53 across California counties|
position among the entities that published this metric this period; not an official level
watchSan Bernardino County, CA's typical home value of $548,565 scores 95 on the 0-to-100 scale across US counties but 58 across California counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |95 across US counties - 58 across California counties|
position among the entities that published this metric this period; not an official level
watchSan Bernardino County, CA's typical home value of +0.9% scores 29 on the 0-to-100 scale across US counties but 63 across California counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |29 across US counties - 63 across California counties|
position among the entities that published this metric this period; not an official level
noteSan Bernardino County, CA's average weekly wage was 0.9% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +0.9 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.