Chino, California.
Typical home $746,933 (-0.3% in a year), asking rent $3,286 (+1.4%). Riverside-San Bernardino-Ontario, CA metro.
to buy the typical home at today's mortgage rate — +$2,044 (+109%) since Jan 2020.
- 1 year
- Down $2,562 -0%
- $749,496$746,933 since Sep 2025
- 5 years
- Up $114,588 +18%
- $632,346$746,933 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Chino$3,920
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Chino, CA fell 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Chino, CA rose 1.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Chino runs $1,870/mo more than renting one. The gap peaked at $2,203 in Jan 2025.
That is $5,156 a month against $3,286 rent: a $3,920 mortgage payment, plus $436 property tax and $800 insurance & upkeep.
Owning vs renting — Chino
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,156
- Renting$3,286
- Mortgage only$3,920
Property tax · $436/mo 0.70% of value a year — the ACS 2020-2024 median bill over the median home value for San Bernardino County, CA
Insurance & upkeep · $800/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Chino, San Bernardino County, California
Chino is a city of 91,403 people in San Bernardino County. Half its households earn more than $104,682 a year and half less, against $85,478 across San Bernardino County; 8% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Chino was 5.0% in August 2026, and San Bernardino County had 0.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then transport and warehouses.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Chino is a city in San Bernardino County where most homes are lived in by their owners, and incomes run above the county's. Residents are somewhat younger than in many American towns, and a four-year degree is held by a minority of adults. Winters are mild and brief, with December the coolest month, while summers turn hot by August, and the year brings little rain.
Work. Many residents work in schools, hospitals and social care, in transport, warehouses and utilities, and in shops. Some of the largest workplaces in Chino are Chino Valley Unified, the school district, along with Walmart and FedEx, both tied to warehousing and delivery. Commutes are on the long side, and a modest share of people work from home.
Things to do. Planes of Fame Air Museum and Yanks Air Museum, both aviation museums, are in or beside town. Ontario Motor Speedway, a race track, is a short drive away. For a bigger outing, Disneyland, the amusement park, is a longer drive away.
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- 27,261households
- 27%of adults have a degree
- 8%below the poverty line
- 33 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. San Bernardino County had 848,961 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 69° and lows near 40°; warmest in August, with highs near 96° and lows near 63°. About 10 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Chino Airport weather station, a mile away (NOAA).
Largest workplaces in Chino
- Chino Valley UnifiedSchool district2,130FTE
- WalmartGeneral warehousing and storage1,678
- California Institution for MenCorrectional institutions1,542
- Flatiron Dragados WestRoad construction1,307
- WalmartGeneral warehousing and storage1,024
- FedExCourier and express delivery services617
- Motivational MarketingTransportation483
- Hussmann Corporation - ChinoRefrigeration equipment and supplies merchant wholesaler461
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 113 workplaces with 20 or more staff, 17,235 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingVery high
- EarthquakesRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Chino’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on San Bernardino County and the Riverside-San Bernardino-Ontario, CA metro.
Chino home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Chino$746,933
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Chino listings, and the typical home goes pending in 26 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Chino28.46%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Chino26
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Chino162
New listings per month
Sellers arriving at the market.
- Chino49
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Chino$746,644
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Chino99.78%
Zip codes with a Chino address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Chino — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Chino
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 91710 | Chino | 78,754 | $3,027 | $756,530 |
| 91708 | Chino | 19,213 | $3,378 | $706,585 |