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Santa Barbara city, CA

ZIP 93109 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93109

Median Home Value
$1,836,300
Median Rent
$2,809
Affordability Snapshot
$506,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$11,796/mo PITI).

27%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

14.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

54.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 93109 in Santa Barbara city, CA, a household would need roughly $506,000 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 $11,796. That is about 299% above the local median household income ($126,875), 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.7%-16% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.6%-28% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$1,836,300
Home Value
$2,809
Rent
1965
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached64.6%
  • 1-unit attached5.9%
  • 2-9 units13.6%
  • 10+ units15.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,836,300
Median rent$2,809
Owner-occupied54.7%
Vacant7.0%
Price-to-income14.5x
Est. income to buy$506,000