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Santa Ynez CDP, CA

ZIP 93460 — 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 93460

Median Home Value
$1,187,700
Median Rent
$2,422
Affordability Snapshot
$327,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,629/mo PITI).

22%
Rent-to-Income Ratio

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

9.0x
Home Price-to-Income Ratio

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

40.9 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 93460 in Santa Ynez CDP, CA, a household would need roughly $327,000 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 $7,629. That is about 148% above the local median household income ($131,932), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.8%+5% vs US avg
x
Vacancy Rate
12.0%+17% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
7.5%-49% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
43.5%+14% vs US avg
x
$1,187,700
Home Value
$2,422
Rent
1979
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 detached84.8%
  • 1-unit attached3.1%
  • 2-9 units3.9%
  • 10+ units3.2%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,187,700
Median rent$2,422
Owner-occupied68.8%
Vacant12.0%
Price-to-income9.0x
Est. income to buy$327,000