Upland, California is one of the Inland Empire’s most charming foothill cities—tree-lined, mountain-kissed, and proudly rooted in its citrus heritage. Locals know it as the City of Gracious Living, a nickname that fits the city’s classic neighborhoods, walkable downtown, and welcoming small-town feel. From Route 66 nostalgia to a thriving parks system and community festivals, Upland blends history and modern convenience in a way that’s hard to resist.
As a local mortgage professional who serves buyers and homeowners across San Bernardino County, I’ve seen firsthand how Upland’s quality of life appeals to first-time buyers, move-up families, and long-term residents alike. Whether you’re exploring home financing or just considering a move, Richard Centeno at RayBon Mortgage can help you navigate options—conventional, FHA, VA, jumbo, and more—so your financing fits your lifestyle and your Upland goals.
Fun facts to set the scene:
- Upland’s city motto is “The City of Gracious Living,” a nod to its broad avenues and neighborly pace.
- Route 66 runs through town along Foothill Boulevard, where you’ll find the historic Madonna of the Trail statue—one of just 12 across the United States.
- Euclid Avenue’s green median and bridle path are iconic and part of an officially recognized historic district.
- The Pacific Electric Trail, a rail-to-trail path, crosses Upland and invites walkers, cyclists, and families to enjoy miles of car-free recreation.
- Upland hosts an annual Lemon Festival celebrating the city’s citrus roots with food, rides, arts, and live music.
Location and Demographics
Upland sits on the western edge of San Bernardino County at the base of the San Gabriel Mountains, roughly 35 to 40 miles east of downtown Los Angeles. It’s a quintessential foothill community: close to mountain trails and ski slopes, yet within easy reach of major job centers across the Inland Empire and the San Gabriel Valley.
- Population: About 79,000 residents call Upland home, offering the vibrancy of a mid-sized city without losing its hometown character.
- Diversity: Upland is notably diverse, with a significant Hispanic/Latino community alongside White, Asian, African American, and multiracial residents. That diversity shows in local cuisine, small businesses, cultural programming, and neighborhood traditions.
- Neighborhoods and housing: You’ll find classic Craftsman bungalows and early 20th-century homes near Euclid Avenue and the historic downtown core; spacious single-family homes and cul-de-sacs in The Colonies at San Antonio on the city’s north end; and a mix of townhomes and condos closer to transit and shopping corridors. This variety makes it easier to match your budget to your preferred lifestyle—something buyers appreciate when discussing pre-approval and monthly payment comfort with RayBon Mortgage.
- Economy: Local employment draws from healthcare, education, small business retail, logistics, and professional services, with many residents commuting to nearby Ontario, Rancho Cucamonga, Claremont, and Pomona. The regional job base creates steady demand for both ownership and rental housing—good to know if you’re purchasing a primary residence or considering an investment property in Upland.
If you’re financing in Upland, a strong pre-approval strategy makes your offer more competitive across price points. At RayBon Mortgage, I help clients compare down payment options, estimate taxes and insurance for Upland neighborhoods (they do vary), and understand how condo HOA dues or Mello-Roos assessments (where applicable in newer communities) affect total monthly costs.
Cultural Highlights
Upland’s culture reflects both its citrus history and its modern, family-friendly energy. It’s easy to fill a weekend with local attractions:
- Museums and heritage:
- Cooper Regional History Museum in downtown Upland showcases the city’s agricultural roots, local rail history, and community life. It’s a great first stop if you’re new in town and want context for the streets, landmarks, and names you’ll see around the city.
- The Madonna of the Trail at Foothill Boulevard and Euclid Avenue is a cherished Route 66 waypoint and a tribute to pioneer women, drawing road trippers and history buffs.
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Historic Euclid Avenue is lined with stately homes, mature trees, and a green median that doubles as a community promenade, popular for strolls, dog walks, and seasonal events.
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Parks and outdoor recreation:
- Memorial Park and San Antonio Park anchor community life with sports fields, playgrounds, picnic areas, and seasonal programming. In summer, free “Concerts in the Park” at Memorial Park are a local favorite.
- The Pacific Electric Trail runs through Upland, connecting you to neighboring cities by bike or on foot; it’s perfect for morning jogs, family rides, and weekend 5Ks.
- Euclid Avenue’s bridle path offers a unique urban trail experience for walkers, runners, and equestrians, shaded by stately pines and eucalyptus.
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Proximity to Mount Baldy and the San Gabriel Mountains means quick access to hiking, mountain biking, fall color drives, and even winter snow days.
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Performing arts and live music:
- The Grove Theatre hosts community productions, musicals, and special performances that draw families and theater lovers from around the region.
- Last Name Brewing, a popular local brewery, frequently features live music, trivia nights, and community meetups—part of a growing craft scene that adds to Upland’s nightlife.
- Downtown events—like the Upland Lemon Festival and seasonal street fairs—bring multiple stages of live entertainment, local artisans, and food vendors to the city center.
For new homeowners, these cultural anchors make it easy to plug into community life. They also help define micro-markets within Upland—something we often discuss when tailoring a home loan strategy. For instance, buyers who prioritize walkability to downtown and the Pacific Electric Trail often target the neighborhoods near 2nd Avenue and 9th Street, while others aim for larger lots and mountain views closer to The Colonies.
Notable Achievements
Upland’s history is tightly woven with Southern California’s development story:
- Model Colony roots: Upland began as “North Ontario,” part of the Chaffey brothers’ innovative Model Colony in the late 1800s. The Chaffeys engineered a gravity-fed irrigation system that transformed the region into fertile citrus groves, shaping the economy and settlement patterns for decades.
- Citrus legacy: The city’s lemon and orange heritage is still celebrated annually at the Upland Lemon Festival, which started as a way to honor that agricultural history and evolved into a signature community event.
- Euclid Avenue Historic District: Euclid Avenue’s grand boulevard, with its green median and distinctive bridle path, is recognized for its historic and aesthetic significance. It remains one of the region’s most memorable streets.
- Route 66 heritage: Upland’s stretch of Foothill Boulevard places the city on the Mother Road. The presence of the Madonna of the Trail monument underscores Upland’s place in the broader American story of westward migration and automotive travel.
- Aviation distinction: Upland is home to Cable Airport, often cited as the world’s largest family-owned, public-use airport. It’s a point of pride and a reminder of the city’s entrepreneurial spirit.
These milestones aren’t just trivia—they shape the feel of Upland’s neighborhoods and their architecture, lot sizes, and streetscapes. When you’re shopping for a home, this historical context helps you understand why certain areas have higher preservation value, distinctive design elements, or unique appraisal considerations. With RayBon Mortgage, I work closely with appraisers and real estate partners who know Upland’s historic pockets well, helping ensure your financing reflects the true character and value of what you’re buying.
Accessibility and Surroundings
Upland’s location is one of its biggest advantages:
- Freeway access: The city is served by the 10 and 210 freeways, with the 15 just a short drive east. This network makes commuting to Ontario, Rancho Cucamonga, Claremont, Pomona, Pasadena, and even downtown Los Angeles more manageable—especially with flexible work schedules.
- Rail transit: Upland has a station on Metrolink’s San Bernardino Line, connecting residents to San Bernardino and Los Angeles. For many buyers, proximity to the station is a key convenience.
- Airports: Ontario International Airport is minutes away, providing quick regional and national flight options. For private and general aviation, Cable Airport sits right in town.
- Nearby destinations:
- Mountains: Mount Baldy and the Angeles National Forest are about a 20- to 30-minute drive, offering year-round recreation.
- Education: The Claremont Colleges are just west of Upland, contributing to a vibrant cultural and intellectual scene nearby.
- Shopping and entertainment: Downtown Upland delivers boutique shops and cafes, while larger retail hubs like Victoria Gardens in Rancho Cucamonga and Montclair Place are close by.
From a housing and lending perspective, this accessibility helps sustain property values and supports a steady stream of buyers who want a foothill lifestyle without disconnecting from the region’s urban job centers. It’s one reason Upland remains popular for move-up buyers and those relocating from denser parts of Los Angeles County.
At RayBon Mortgage, I translate those lifestyle and commute priorities into clear financing choices. Need to keep cash freed up for a second vehicle or e-bike for the Pacific Electric Trail? We can model different down payment scenarios. Want a loan structure that accommodates future accessory dwelling unit (ADU) plans or a home office build-out? We’ll look at options that keep you flexible while staying competitive in today’s market.
Conclusion
Upland, California offers a compelling mix: historic charm, mountain views, community festivals, and practical access to jobs, transit, and airports. It’s a city where Saturday mornings can mean a bike ride on the Pacific Electric Trail and an afternoon browsing Downtown Upland’s shops—where you can live in a century-old bungalow under mature shade trees or a newer home at the city’s north end with mountain sunsets on repeat. The culture is diverse, the parks system is active, and the history—from Route 66 to Euclid Avenue’s grand median—gives the city a lasting sense of place.
If Upland is on your short list, let’s make your next step a confident one. I’m Richard Centeno at RayBon Mortgage, and I specialize in guiding buyers and homeowners through smart, local lending strategies. Whether you’re purchasing your first home near downtown, moving up to a larger property closer to the foothills, refinancing to lower your payment, or exploring VA and FHA programs, I’ll help you compare options, understand true monthly costs in Upland neighborhoods, and close on time.
Discover Upland’s gracious living—and let RayBon Mortgage help you plant roots that last. When you’re ready to talk pre-approval or explore today’s rates and programs, reach out and let’s design a plan tailored to your Upland goals.
