Inland California: A New Opportunity for Homebuyers
California’s inland counties are experiencing a surge in attention from homebuyers looking for affordability and opportunity. With high prices pushing many out of coastal cities, regions like Riverside, San Bernardino, and San Joaquin counties are becoming top choices for first-time buyers and growing families. At LBC Mortgage, we help clients take full advantage of this shift by offering the right mortgage solutions and financial guidance to secure a home in these rising markets.
Why Inland Counties Are Attracting Buyers
Inland counties were once seen as secondary to California’s coastal cities. That has changed. Today, areas such as the Inland Empire—Riverside and San Bernardino counties—are building vibrant communities filled with opportunity. Cities like Lathrop and Hollister are experiencing major growth thanks to new residential developments, improved infrastructure, and greater economic investment.
These counties offer something coastal areas can’t: room to grow. Homebuilders are constructing single-family homes on larger lots at price points that are far more accessible. With more land available, communities are designed with parks, schools, and retail centers—all within reach.
Expanding Housing Inventory
The inland housing supply is increasing faster than in major urban areas. In San Benito County, for example, new homes cater to commuters from the Bay Area, while Riverside and San Bernardino counties continue to expand master-planned communities.
This construction boom helps ease California’s statewide housing shortage and creates more options for buyers who want modern homes without paying premium coastal prices.
Affordable Home Prices Create Real Options
How Inland Prices Compare
Affordability is the biggest reason buyers are moving inland. In April 2025, the median home price in Riverside County was $645,000. In neighboring San Bernardino County, it was just $535,000. By contrast, the median price in Los Angeles County reached $850,270.
Lower prices mean lower mortgage payments, more buying power, and a higher chance of qualifying for a home loan. Buyers can often afford larger homes with yards and space to grow—a rare luxury in coastal counties.
Cost of Living Benefits
Inland counties also offer a lower overall cost of living. Groceries, utilities, transportation, and property taxes are often less expensive than in high-cost metro areas. These savings add up, giving families more breathing room in their budgets.
For remote workers and those with flexible schedules, moving inland means improving their quality of life without giving up access to major job markets.
Challenges in Affordability Still Remain
Homeownership Isn’t Easy—Even Inland
Even though inland homes are more affordable, the cost of entry is still high for many. Only about 30% of households in the Inland Empire can afford a median-priced home, compared to just 15% statewide. Rising interest rates and high rent burdens make it hard for families to save for a down payment.
At LBC Mortgage, we understand these challenges. That’s why we guide buyers toward smart financing options that reduce upfront costs and make monthly payments more manageable.
How LBC Mortgage Helps
We go beyond quoting rates—we help our clients qualify for the best programs available. Whether it’s an FHA loan with a lower down payment, a VA loan with zero down, or a CalHFA program with closing cost assistance, we’ll build a plan that works for your goals and budget.
Down Payment Assistance Makes a Big Difference
Programs Tailored to Inland Buyers
Inland counties offer powerful assistance programs for first-time homebuyers. The Inland Empire Down Payment Assistance Program provides up to $40,000 for eligible borrowers. These funds can cover part of your down payment or closing costs—sometimes both.
Programs like this help bridge the gap between wages and home prices, making homeownership possible for many who would otherwise be priced out.
Statewide Help from CalHFA
The California Housing Finance Agency (CalHFA) offers additional support through fixed-rate loans, forgivable second mortgages, and grants. These programs target moderate-income buyers and are widely used in areas where housing is within reach but initial costs remain a hurdle.
At LBC Mortgage, we help buyers apply for these programs and structure their financing for the greatest long-term benefit.
Economic Growth Is Fueling Inland Demand
Jobs Are Driving Migration Inland
The Inland Empire is becoming one of the state’s strongest economic regions. With a booming logistics sector, distribution centers, manufacturing, and health care facilities, new jobs are bringing families into cities like Moreno Valley, Ontario, and Fontana.
As these cities grow, so does the need for housing. That’s why buying now gives homeowners a chance to build equity while prices are still comparatively low.
Revitalized Cities and Infrastructure
Many cities are revitalizing underused areas. In San Bernardino, developers are turning former malls and commercial properties into mixed-use communities that include housing, retail, and entertainment. These developments are helping transform cities into walkable, family-friendly hubs that attract long-term residents.
New Communities Designed for Modern Living
Family-Friendly Neighborhoods
New construction homes in inland counties are built with today’s buyers in mind. Open floor plans, energy-efficient systems, and smart-home features are becoming standard. These homes are designed for functionality, affordability, and long-term comfort.
Neighborhoods often include trails, community centers, and highly rated schools, creating a lifestyle that appeals to buyers at every stage of life.
Infrastructure Investments Boost Value
With growing populations, counties are investing in infrastructure that supports housing growth. New roads, expanded public transit, and broadband internet projects are making inland counties more connected and livable. The upcoming Brightline West high-speed rail will further increase regional access and raise property values along the corridor.
Why Buyers Choose LBC Mortgage
Local Expertise You Can Count On
At LBC Mortgage, we know California’s inland counties inside and out. Our loan experts understand the local market trends, property types, and financing programs available in these areas. We don’t offer one-size-fits-all loans—we tailor every mortgage to your unique situation.
We walk you through the process, from pre-approval to closing, with clear communication and straightforward answers. Our team focuses on making sure you understand your options and feel confident at every step.
Helping You Access the Right Programs
LBC Mortgage specializes in helping buyers take advantage of every tool available—from down payment assistance to credit counseling and loan structuring. We ensure that no opportunity is missed when it comes to securing financing.
Even if you’ve been turned down before or think you can’t afford a home, we encourage you to talk to us. With the right plan, homeownership in California’s inland counties is possible.
Contact us today to learn how we can guide you home in the Inland Empire, San Joaquin Valley, or beyond.
