ZIP Code 93103 — Santa Barbara city, CA Demographics & Data

ZIP code 93103 covers Santa Barbara, CA in Santa Barbara County with a population of about 19,803.

At a glance, the area shows median age of 39.8 (near the U.S. median).

It sits in telephone area codes 805, 820; U.S. House district CA-24; the SANTABARBRA - SANMAR - SANLUOB media market.

Santa Barbara, CA sits in a university / college context (near westmont college (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 93103 is about $118,118 — about 57% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 3.7%; 46.0% of adults with a bachelor’s degree or higher (about 12.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Healthcare, and Professional services; about 12.6% of workers reporting work-from-home (about 2.6 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,555,600 — about 347% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,228 (about 92% above the U.S. median rent ($1,163)), and owner-occupancy near 46.0% (about 19.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93103 in Santa Barbara, CA, a household would need roughly $428,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $9,993. That is about 262% above the local median household income ($118,118), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Santa Barbara city, CA as Relatively High (composite score 99.0), which is among the highest nationally. The strongest component scores on US5 are wildfire (99.2) and flood (98.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Santa Barbara city, CA show little to no average snow and around 19.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 975 for ZIP 93103 (Santa Barbara city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.