ZIP Code 93013 — Toro Canyon CDP, CA Demographics & Data

ZIP code 93013 covers Toro Canyon, CA in Santa Barbara County with a population of about 16,348.

At a glance, the area shows median age of 45.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 93013 is about $115,633 — about 54% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.0%; unemployment rate near 4.6%; 46.2% of adults with a bachelor’s degree or higher (about 12.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 14.8% of workers reporting work-from-home (roughly in line with 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 $1,074,600 — about 209% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,273 (about 95% above the U.S. median rent ($1,163)), and owner-occupancy near 59.6% (about 5.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93013 in Toro Canyon, CA, a household would need roughly $296,000 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 $6,903. That is about 156% above the local median household income ($115,633), 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 Toro Canyon CDP, 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 Toro Canyon CDP, CA show little to no average snow and around 19.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 805 for ZIP 93013 (Toro Canyon CDP, 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.