Real Estate Investing in Loma Linda, California (92354)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 92354 (Loma Linda, CA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 9.1% vacancy may signal weakening demand.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Loma Linda, CA (92354)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 92354 Loma Linda
Not every below-median market is a bargain. Loma Linda's 92354 ZIP records signals that favor experienced operators who can absorb the risk $644K pricing implies.
The investment case in 92354 is durable only for operators who understand what they are buying. A $644K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
ZIP 92354's metrics run below San Bernardino County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Looking more closely, 23,076 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
The 92354 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Loma Linda:
Property Strategy for 92354
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $448,208 | $2,280 | 3.7% | +6.4% | $224,104 |
| 3BR | $583,529 | $3,020 | 3.7% | +6.7% | $194,510 |
| 4BR | $696,384 | $3,640 | 3.8% | +6.5% | $174,096 |
| 5BR | $864,049 | — | — | +6.7% | $172,810 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 92354 Compare?
| Metric | 92354 | Loma Linda | Riverside-San Bernardino-Ontario, CA | California |
|---|---|---|---|---|
| Home Value | $644,440 | $322,220 | N/A | $761,003 |
| 5-Year CAGR | 4.2% | 4.2% | N/A | 5.7% |
| Avg Rent | $2,435 | $2,435 | N/A | - |
| Cap Rate | 3.0% | 3.0% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 92354 (Loma Linda, CA). Anonymous, moderated, never written by AI.
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Property managers serving San Bernardino County
Manage rentals here? List your business →Encore Property Management's homepage text is minimal, but the domain name strongly suggests property management services. summary from their website
Incline Consultants specializes in HOA and Condominium Management, offering services for community associations. summary from their website
J&C Real Estate's homepage text is minimal, focusing on CSS and layout, and does not provide sufficient information to confirm property management services. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $644,440 |
| Monthly Rent | $2,435 |
| Price-to-Rent | 22.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 3.0% |
| 5-Year IRR | 7.2% |
📈 Home Appreciation
| 1-Year | +2.0% ▲ |
| 3-Year CAGR | +2.9% ▲ |
| 5-Year CAGR | +4.2% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 Rent Trends
| 1-Year | -1.2% ▼ |
| 3-Year CAGR | +2.0% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 92354
Population: 23,076
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 92354
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
H. Frank Dominguez Elementary
San Bernardino County Special Education
Washington High
Colton Middle
Abraham Lincoln Elementary
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 8,983 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What monthly rent should investors expect in Loma Linda, CA?
Average rent in Loma Linda, CA is approximately $2,435/mo per month. Against $644K home values that yields a reasonable rent-to-price ratio.
Are renters plentiful in Loma Linda, CA?
Working renters make up the core of the Loma Linda, CA tenant base. The pool is reasonable for investors targeting long-term holds.
What are home prices like in Loma Linda, CA?
Median home price in Loma Linda, CA is near $644K, with a 5-year CAGR of 0.0%. Prices have been predictable and supportive of buy-and-hold strategies.
Can owner-occupants cash flow in Loma Linda, CA?
Loma Linda, CA is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $644K price point reasonable to enter.
What approach is best for Loma Linda, CA real estate?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Loma Linda, CA. The numbers - $644K homes against $2,435/mo rents - support that play.
You know 92354 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 92354 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 92354 ranks in Riverside-San Bernardino-Ontario, CA
Every ZIP in this metro, ranked. Free.
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