Ontario, California.
Typical home $662,006 (-0.1% in a year), asking rent $2,580 (+2.5%). Riverside-San Bernardino-Ontario, CA metro.
to buy the typical home at today's mortgage rate — +$1,824 (+110%) since Jan 2020.
- 1 year
- Down $509 -0%
- $662,515$662,006 since Sep 2025
- 5 years
- Up $109,733 +20%
- $552,274$662,006 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.
- Ontario$3,475
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Ontario, CA fell 0.1% over the past year — slower than the nation's +1.2%.
Asking rents in Ontario, CA rose 2.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Ontario runs $1,990/mo more than renting one. The gap peaked at $2,290 in Jan 2025.
That is $4,570 a month against $2,580 rent: a $3,475 mortgage payment, plus $386 property tax and $709 insurance & upkeep.
Owning vs renting — Ontario
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$4,570
- Renting$2,580
- Mortgage only$3,475
Property tax · $386/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 · $709/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 Ontario, San Bernardino County, California
Ontario is a city of 175,265 people in San Bernardino County. Half its households earn more than $88,941 a year and half less, against $85,478 across San Bernardino County; 12% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in Ontario was 5.1% 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 shops.
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. Ontario is a large city in San Bernardino County, with a population on the younger side. Household incomes run a little above the county's, though a good share of residents live below the poverty line. More households rent their homes than across much of the country, and typical home values and rents are both high.
Work. Residents work mostly in schools, hospitals and social care, in shops, and in transport, warehouses and utilities, with manufacturing close behind. Among the largest workplaces in Ontario are UPS, the Ontario-Montclair school district and Prime Healthcare Management. Fewer adults hold a four-year degree than in much of the country, commutes are fairly long, and only a small share of people work from home.
Things to do. Ontario Motor Speedway and Auto Club Speedway, both race tracks, are a short drive away. So are the aviation museums Planes of Fame Air Museum and Yanks Air Museum. Disneyland, the amusement park, is a longer drive away. Winters are mild and summers are hot and dry, with little rain or snow through the year.
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- 53,770households
- 22%of adults have a degree
- 12%below the poverty line
- 32 mintypical commute
- 9%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 67° and lows near 44°; warmest in August, with highs near 95° and lows near 65°. About 12 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ontario International Airport weather station, a mile away (NOAA).
Largest workplaces in Ontario
- UPSCouriers and express delivery services4,060
- Empire Workforce SolutionsEmployment agencies3,850
- Ontario-Montclair SchoolsSchool district2,348FTE
- UPSCouriers and express delivery services2,232
- Prime Healthcare ManagementCorporate offices2,076
- Chaffey Joint Union High SchoolsSchool district1,972FTE
- City of Ontario1,878
- Ontario - Vineyard Medical Center - HGeneral medical and surgical hospitals1,533
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 270 workplaces with 20 or more staff, 47,461 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
- Wildfirerelatively high in parts of OntarioRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ontario’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.
Ontario home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ontario$662,006
- 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 Ontario listings, and the typical home goes pending in 28 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.
- Ontario24.86%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Ontario28
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ontario374
New listings per month
Sellers arriving at the market.
- Ontario109
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Ontario$671,317
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Ontario99.65%
Zip codes with a Ontario address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ontario — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Ontario
| 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 |
|---|---|---|---|---|
| 91762 | Ontario | 64,235 | $2,562 | $673,658 |
| 91761 | Ontario | 62,935 | $2,587 | $679,091 |
| 91764 | Ontario | 56,270 | $2,600 | $627,490 |