HELOCs in San Bernardino County, CA
San Bernardino County city by city: median home values (county median $475,000), ownership and what a typical home could borrow.
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How much can you borrow with a HELOC in San Bernardino County, California?
San Bernardino County's median owner-occupied home, worth $475,000, could support a HELOC of about $166,250 if half of it is still owed and the lender allows an 85% cap. In Rancho Cucamonga, the priciest of the county's listed cities, the same terms support about $259,070. HELOC rates for 720+ credit run about 8.00%–9.75% APR as of October 28, 2026.
San Bernardino County has the lowest home values of the Southern California counties covered here, which means smaller lines and makes lenders' minimum line sizes and fixed opening costs matter more.
On this page
San Bernardino County at a glance
| Population | 2,214,281 |
|---|---|
| Median home value (owner-occupied) | $475,000 |
| Owner-occupied homes | 61.5% |
| Monthly owner costs, with / without a mortgage | $2,274 / $628 |
| Median household income | $82,184 |
| 2026 conforming loan limit (one unit) | $832,750 |
U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates; Census QuickFacts. Conforming limit: FHFA.
Use a free calculator, or get your HELOC rate from Shawn.
Cities, by median home value
| City | Median value | Owners | Line if half is owed |
|---|---|---|---|
| Rancho Cucamonga | $740,200 | 62.3% | $259,070 |
| Ontario | $607,600 | 58.0% | $212,660 |
| Fontana | $586,800 | 66.8% | $205,380 |
| San Bernardino | $422,300 | 50.0% | $147,805 |
| Victorville | $385,600 | 60.6% | $134,960 |
Lines assume an 85% combined loan-to-value cap.
Rules that apply countywide
- The conforming limit caps a conventional cash-out refinance at $832,750 for one unit; a HELOC isn't subject to it.
- California is a community property state: a spouse usually signs HELOC documents.
- A HELOC doesn't trigger a Proposition 13 reassessment.
- Mello-Roos taxes and HOA dues count in your monthly housing costs when a lender figures your debt-to-income ratio.
Other Southern California counties
Los Angeles County · San Diego County · Riverside County · Orange County
Sources
Official sources behind this guide.
- What is the difference between a home equity loan and a HELOC? · Consumer Financial Protection Bureau
- What you should know about home equity lines of credit (booklet, PDF) · Consumer Financial Protection Bureau