ZIP 92354 vs ZIP 92408

This side-by-side compares ZIP 92354 (Loma Linda, CA) and ZIP 92408 (San Bernardino, CA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 92354 has a population of 21,559 at 1,704 people per square mile, while ZIP 92408 has 15,271 at 554 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 92354 reports a median household income of $83,847 against $68,333 in ZIP 92408, with per-capita income of $43,028 vs $25,490. The share of adults holding a bachelor's degree or higher is 48.8% in 92354 and 15.7% in 92408. Poverty rate reads 13.6% vs 21.8%, and unemployment 5.0% vs 6.2% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $564,400 in 92354 versus $426,400 in 92408, with median rent of $1,793 and $1,418 per month respectively. Homeownership rate is 40.1% vs 38.5%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.