Cost Of Living In Loma Linda, California (Taxes, Housing & More)

Mary Newman
by Mary Newman

Loma Linda is a small town just outside of San Bernardino. Just 60 miles east of Los Angeles and 11 minutes south of downtown San Bernardino, Loma Linda has just over 24,000 residents total that call it home.

With an overall cost of living index at 126.8, it is more expensive than the national average to live and work in Loma Linda. The median home price is $434,048, and the median household income is just $58,259. When it comes to transportation and groceries, the cost of living index in Loma Linda is about on par with the rest of the US.

Healthcare and social assistance are the biggest industries you’ll find in Loma Linda, followed by educational services and retail trade. Wholesale trade and public administration are by far the best paying in the area.

Thinking about moving? Make sure you have all the facts before you dive in!

Do You Need to Hire Movers?

Get free, zero-commitment quotes from pro contractors near you.

The Cost Of Homeownership In Loma Linda

LocationMedian Home ValueHomeownership Rate
Loma Linda$434,04836.2%
Los Angeles$694,53836%
United States$320,00065.8%

Loma Linda comes in at one of the more affordable suburbs of San Bernardino to own property, but that doesn’t make it affordable compared to the rest of the United States. With a housing cost of living index at 187.6, it is over 80% more expensive to own property in Loma Linda than the average US city.

The average mortgage payment in Loma Linda is a staggering $3,485, and the housing market is up 22.5% over last year, a significant increase.

Purchasing a home is still difficult for Loma Linda residents, however, as you can see the homeownership rate is so low. This is in part because the median household income is so low compared to the national average, while housing prices are still so high.

Median Home Prices In Loma Linda

Median Home PricePercentage of Homes
$941,000 and Above1.8%
Sub $126,0008.6%

Nearly half, or 45.5% of homes, in Loma Linda are single-family homes. 13.2% were built after 1999, with the majority – 61.4% = being built between 1970 and 1999. 25.5% were built earlier than 1969.

The majority of homes on the market in Loma Linda are 2 bedrooms (39.7%. The second most common are 3 bedroom homes, at 26.4%. Just 14.3% of homes have 4 bedrooms, and 13% of homes have 1 bedroom.

Cost Of Property Taxes

Good news for those that are considering purchasing a home in Loma Linda – despite the high property values, the tax rate is lower than the national average. In San Bernardino County, the average county tax rate is 0.810%, less than the national average of 1.070%.

This means if a home was valued at the median value of $434,048, homeowners could expect to pay about $3,516 annually for their property tax. While this is still a high number, it’s less than what you would spend at the national average, which sits at $4,644.

Rent Costs Loma Linda

Housing SizeLoma LindaMetro AreaCaliforniaUnited States
1 Bedroom$1020$986$1358$930
2 Bedroom$1270$1232$1723$1148
3 Bedroom$1770$1717$1275$1537
4 Bedroom$2200$2132$2755$1791

With an average market rent of $2,019 per month, even rental homes in Loma Linda aren’t cheap. Approximately 63.8% of residents rent their homes, with 13% of all housing being smaller apartment buildings. 29.6% of housing in Loma Linda are larger apartment complexes.

Utility Rates In Loma Linda

The utility cost of living index in Loma Linda is 107.8, which means it’s higher than the national average to maintain your home.

For the average 915 square foot apartment, residents can expect to pay approximately $193/month for all basic utilities. This includes heating, cooling, water, and garbage. The average high-speed internet bill is $63/month.

The average residential electricity rates in Loma Linda are 15.98¢/kWh, which is greater than the California average of 15.34¢/kWh. This is also higher than the national average of 11.88¢/kWh.

Child Care Costs In Loma Linda, California

The cost for childcare in Loma Linda is higher than the national averages, as you would expect. It is, however, on par with the cost of living index for the city.

There are 19 daycares total in Loma Linda, with 16 home-based programs and 3 daycare centers. 11 of those care for infants as well as toddlers. The average cost of full-time daycare for a single child is approximately $1,769 per month.

Grocery Costs In Loma Linda, California

With a grocery cost of living index at just 100.8, Loma Linda is on par with the national average for food prices. This is a big relief to families looking to relocate to the area.

Item of Food in Loma LindaPrice
Average Meal for 1$20
Mid-Range Meal for 2$55-$60
Gallon of Milk$6.50
Loaf of Fresh Bread$2.50
12 Eggs$3
1lb of Chicken$4
1lb of Bananas$0.80

If you calculate 11% of your household income for groceries, the average Loma Linda resident has a yearly grocery budget of $6,408. This works out to be $534/month, completely reasonable for many families.

Transportation Costs

For Loma Linda residents, the average one-way daily commute is 21.9 minutes. This is less than the national average of 26.4 minutes. 78% of people drive their own vehicles to work, while 7.9% carpool, and 4.9% work from home.

Only 1.3% of residents take mass transit options each day. The transportation cost of living index in Loma Linda is 100.4, making it just higher than the national average.

Cost Of Gas Per Gallon

LocationPrice Per Gallon
Loma Linda$2.75
San Bernardino$2.45
United States$2.60

Public Transportation In Loma Linda

Loma Linda has several different public transit options for residents looking to travel. OmniTrans is the most commonly used and is a bus system provided by the Los Angeles Rapid Transit Authority. The lines run between San Bernardino, Riverside, Loma Linda, and Los Angeles, as well as other cities within the area.

To ride an OmniTrans bus is just $2 for a single ride, $6 for a full day, $20 for a 7-day pass, and $60 for a 31-day pass. For youth 18 and under, 7-day passes are discounted to $15 and 31-day passes are just $45.

Reduced fare for veterans, seniors, or those disabled drops the single ride pass down to $0.90, the 1-day pass to just $2.75, the 7-day pass to $9, and the 31-day pass to $30.

Set Fares

The closest MetroLink station for the train system is in San Bernardino, and fares will range depending on where you choose to go.

From the San Bernardino Downtown Station to the L.A. Union Station is just $10 one way, $20 round trip, or $10 for a weekend day pass. One way from San Bernardino Downtown Station to Burbank is $14, with a round trip pass being $28.

Entertainment Costs Loma Linda

Being located so close to San Bernardino and Los Angeles, there is never a shortage of things to do in Los Linda and the surrounding areas. Redlands Bowl, a famous amphitheater, is located just outside of Loma Linda and was founded in 1924. A major music festival happens there every summer, and admission is free.

Just a short drive away, you can rent ARVs, 4 wheelers, jet skis, and more for outdoor activities. Prices start as low as $199 for a half-day jet ski rental and can go as high as $500 for a full day of a 4-wheeler rental. Loma Linda is close to deserts and plenty of outdoor space, so it’s the perfect setting if you love being outside.

Education In Loma Linda, California

There are 3 elementary schools, 2 middle schools, and 2 high schools in Loma Linda. The public schools serve less than 1,000 students per academic year, but regularly rank within the top 10% of California schools.

The student: teacher ratio in Loma Linda public schools is 26:1, which is higher than the California average of 23:1 and the national average of 16:1.

Loma Linda is also home to Loma Linda University, a Seventh-day Adventists Health Sciences University. Loma Linda University offers more than 100 degrees and certifications.

The average academic year tuition for an undergraduate attending Loma Linda University is $35,180, up over 3% from the previous year.

Other Things to Know About Loma Linda

The median household income in Loma Linda is $58,259, lower than the national average of $68,400. The closest major cities are San Bernardino, just 11 miles north, and Los Angeles, just 60 miles west. The San Bernardino airport is the closest airport, and the San Bernardino National Forest is the closest state land.

Many people consider Loma Linda was of the best places to live within California and has ranked as the best place to live in San Bernardino County.

Do You Need to Hire Movers?

Get free, zero-commitment quotes from pro contractors near you.

Is Loma Linda Right for You?

After all the financials are in, are you still thinking about moving to Loma Linda? Loma Linda has a small-town feel, but is close enough to other major cities to still provide everything you would need.

While there isn’t an overabundance of things to see or do within the city itself, if you don’t mind a short drive or bus ride, you have many more possibilities.

Whether you’re thinking of moving for work, school, or you just want to be near Los Angeles without the LA price tag, Loma Linda could be a great choice for your family. Just be sure you understand all the hidden costs!

Related Articles

Mary Newman
Mary Newman

Mary Newman thought that home improvement was all painting and putting down throw rugs... until she bought a fixer upper, and realized it's so much more. With a passion for helping others NOT make the mistakes she did, Mary seeks to always improve her home - and yours, too!

More by Mary Newman