PlainCities

Census tract · San Bernardino County

Census Tract 109.04, San Bernardino County, California

Census Tract 109.04, GEOID 06071010904, in San Bernardino County, California, mostly within Lake Arrowhead (96% of its census blocks). 2,324 residents in the ACS 2020-2024 5-year estimates (±705); the 2020 Census counted 2,664.

Residents, 2020-2024

2,324

±705 (90% margin)
2020 Census count: 2,664

Median household income

$86,272

±$5,687 (90% margin)
San Bernardino County: $85,478

Median home value

$420,000

±$177,029 (90% margin)
San Bernardino County: $505,000

Median gross rent

$2,621

±$965 (90% margin)
San Bernardino County: $1,801

Where is Census Tract 109.04?

Census Tract 109.04 is one of 466 census tracts in San Bernardino County, California. It covers 2.36 square miles of land, 1,130 residents per square mile in 2020. Its GEOID, 06071010904, names it uniquely (how tract numbers and GEOIDs work).

Places Census Tract 109.04 lies in (share of its 2020 census blocks)
PlaceShare of the tract
Lake Arrowhead96%
Census Tract 109.04 (marked with a dot) in San Bernardino County, California. Boundaries: Census Bureau 2024.
108.05109.03 109.04 2 mi
Census Tract 109.04 (shaded) and the tracts that border it, numbered. Boundaries: Census Bureau 2024 cartographic boundary file, 1:500,000.

3 census tracts border Census Tract 109.04: Tract 108.05 ($69,205), Tract 109.03 ($125,430) and Tract 110.04 ($106,308). The figure in brackets is each tract's median household income.

Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.

Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files

How many people live in Census Tract 109.04?

The 2020-2024 American Community Survey puts Census Tract 109.04's population at 2,324 (±705) in 1,010 households; the 2020 Census counted 2,664 residents and 1,895 housing units.

Counts, ACS 2020-2024 5-year estimates
MeasureTract 109.04Lake ArrowheadSan Bernardino CountyCalifornia
Total population2,324±70510,6392,197,10439,287,377
Households1,010±2704,501674,91513,548,091
Average household size2.30±0.372.353.202.84
Housing units2,099±27811,736743,88614,644,735

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov

Who lives in Census Tract 109.04?

The median resident of Census Tract 109.04 is 48.4 years old. The largest group is non-Hispanic white residents at 55.6%, then Hispanic or Latino residents (of any race) at 36.6%. 17.9% of residents were born outside the United States.

Age, origin, education, ACS 2020-2024 5-year estimates. Race groups are non-Hispanic; Hispanic includes any race.
MeasureTract 109.04Lake ArrowheadSan Bernardino CountyCalifornia
Median age48.4±21.049.534.737.9
Under 18 years14.4%±12.5 pts17.4%25.5%22.0%
65 years and over25.7%±9.1 pts25.6%12.6%15.7%
Hispanic or Latino (any race)36.6%±19.2 pts26.4%55.2%40.2%
White alone, not Hispanic55.6%±18.2 pts63.9%24.7%33.8%
Black or African American alone, not Hispanic0.0%±1.8 pts1.5%7.5%5.2%
Asian alone, not Hispanic4.2%±6.6 pts3.0%8.1%15.3%
American Indian and Alaska Native alone, not Hispanic0.6%±0.9 pts0.5%0.3%0.3%
Native Hawaiian and Other Pacific Islander alone, not Hispanic3.0%±3.6 pts0.7%0.3%0.3%
Two or more races, not Hispanic0.0%±1.8 pts3.9%3.5%4.4%
Some other race alone, not Hispanic0.0%±1.8 pts0.1%0.6%0.6%
Born outside the United States17.9%±9.6 pts14.0%21.6%27.0%
Speak a language other than English at home (age 5+)37.2%±19.6 pts25.0%44.3%44.4%
Civilian veterans (age 18+)6.6%±5.0 pts9.7%4.7%4.3%
With a disability18.8%±11.4 pts14.5%12.2%11.6%
No health insurance coverage5.7%±6.7 pts6.0%8.0%6.6%
High school graduate or higher (age 25+)100.0%±2.4 pts95.1%82.5%84.7%
Bachelor's degree or higher (age 25+)25.5%±11.4 pts37.9%23.3%37.1%
Graduate or professional degree (age 25+)12.6%±6.6 pts16.9%8.4%14.4%
Lived in the same house a year earlier91.5%±11.0 pts92.8%90.4%89.2%

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov

What do households in Census Tract 109.04 earn?

Half of the 1,010 households in Census Tract 109.04 earn less than $86,272 a year (±$5,687), against $85,478 across San Bernardino County: 206th highest of the county's 453 tracts with a reliable estimate. 14.1% of residents live below the poverty line.

Income and poverty in 2024 dollars, ACS 2020-2024 5-year estimates
MeasureTract 109.04Lake ArrowheadSan Bernardino CountyCalifornia
Median household income$86,272±$5,687$95,236$85,478$99,122
Mean household income$90,495±$13,190$122,627$109,207$140,436
Per capita income$37,262±$7,877$51,594$34,343$49,513
People below the poverty line14.1%±7.8 pts11.1%13.3%12.0%
Children under 18 below the poverty line0.0%±17.1 pts16.5%17.6%15.0%
Households receiving SNAP13.0%±10.0 pts7.4%15.8%12.4%
Households with a computer100.0%±4.1 pts99.0%96.9%96.9%
Households with a broadband subscription100.0%±4.1 pts98.2%93.3%93.5%

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov

What does housing cost in Census Tract 109.04?

Owners occupy 77.2% of Census Tract 109.04's occupied homes and renters 22.8%. The median owner-occupied home is valued at $420,000 by its owner (±$177,029). The median renter pays $2,621 a month including utilities, and 84.8% of renters pay 35% or more of their income on rent.

Housing, ACS 2020-2024 5-year estimates
MeasureTract 109.04Lake ArrowheadSan Bernardino CountyCalifornia
Median home value (owner-occupied)$420,000±$177,029$596,500$505,000$734,700
Median gross rent$2,621±$965$1,875$1,801$2,036
Renters paying 35% or more of income on rent84.8%±24.6 pts54.7%48.6%46.0%
Median monthly owner costs, with a mortgage$2,009±$640$2,560$2,368$2,946
Owner-occupied homes77.2%±13.2 pts83.6%62.1%55.9%
Renter-occupied homes22.8%±13.2 pts16.4%37.9%44.1%
Housing units2,099±27811,736743,88614,644,735
Single-family detached homes89.7%±8.6 pts91.3%70.0%57.0%
Mobile homes5.5%±8.2 pts2.1%5.4%3.5%
Built 2020 or later0.0%±2.0 pts0.0%1.6%1.3%
Built 2010 to 20197.8%±8.5 pts3.2%6.1%6.5%
Built 1939 or earlier10.8%±6.2 pts9.7%3.8%8.9%
Households with no vehicle5.0%±5.3 pts3.2%4.6%7.1%

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov

How do people in Census Tract 109.04 get to work?

94.1% of Census Tract 109.04's workers drive alone. The average trip to work takes 24.1 minutes.

Work and commuting, ACS 2020-2024 5-year estimates
MeasureTract 109.04Lake ArrowheadSan Bernardino CountyCalifornia
In the labor force (age 16+)63.1%±12.2 pts53.8%62.2%63.8%
Unemployment rate0.5%±1.7 pts3.9%7.1%6.6%
Drove alone to work94.1%±7.0 pts74.3%74.1%65.7%
Carpooled3.5%±4.9 pts2.7%11.2%9.5%
Public transportation0.0%±3.3 pts0.0%0.9%2.9%
Walked0.0%±3.3 pts1.4%1.4%2.4%
Worked from home2.3%±3.5 pts21.1%11.0%17.2%
Mean travel time to work24.1 min±5.837.0 min32.6 min28.7 min

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov

How does Census Tract 109.04 compare with the other tracts in San Bernardino County?

Among San Bernardino County's tracts with a reliable estimate, Census Tract 109.04 ranks as shown below (1 = highest).

Census Tract 109.04's rank among the tracts of San Bernardino County and of Lake Arrowhead
MeasureIn San Bernardino CountyIn Lake Arrowhead
Population424th of 4641st of 6
Residents per square mile360th of 4661st of 6
Median household income206th of 4535th of 5
Per capita income164th of 4616th of 6
Median home value300th of 4464th of 5
Median gross rent54th of 4361st of 5
Poverty rate170th of 3012nd of 2
Bachelor's degree or higher165th of 4386th of 6
Median age31st of 4654th of 6
Owner-occupied share144th of 4575th of 6

The tracts next to it on San Bernardino County's income ladder

Median household income, ACS 2020-2024 5-year estimates
TractRankMedian household incomeResidents
Tract 92.02203rd$86,538±$17,202 · within the margin of this tract1,617
Tract 20.25204th$86,410±$21,922 · within the margin of this tract5,542
Tract 97.14205th$86,406±$25,131 · within the margin of this tract4,179
Tract 109.04206th$86,272±$5,6872,324
Tract 62.01207th$86,207±$25,173 · within the margin of this tract4,043
Tract 40.03208th$85,972±$27,431 · within the margin of this tract5,998
Tract 91.26209th$85,833±$24,321 · within the margin of this tract6,375

"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.

Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed

How reliable are the figures for Census Tract 109.04?

3 of the 18 figures for Census Tract 109.04 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.

A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.

Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov

How these figures are made: methodology and release checks · reading a margin of error · every state · corrections