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Santa Barbara city, CA

ZIP 93101 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 93101

Median Home Value
$1,122,200
Median Rent
$1,967
Affordability Snapshot
$309,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,209/mo PITI).

30%
Rent-to-Income Ratio

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

14.1x
Home Price-to-Income Ratio

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

47.5 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 93101 in Santa Barbara city, CA, a household would need roughly $309,000 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 $7,209. That is about 287% above the local median household income ($79,868), 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
21.8%-67% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
8.0%-38% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
29.0%-42% vs US avg
x
Mortgage-Free
34.0%-11% vs US avg
x
$1,122,200
Home Value
$1,967
Rent
1961
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached30.9%
  • 1-unit attached11.0%
  • 2-9 units33.3%
  • 10+ units24.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,122,200
Median rent$1,967
Owner-occupied21.8%
Vacant6.6%
Price-to-income14.1x
Est. income to buy$309,000