US5.com
  1. Home
  2. States
  3. California
  4. ZIP 93105
  5. Housing & Real Estate
Santa Barbara city, CA

ZIP 93105 — 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 93105

Median Home Value
$1,496,500
Median Rent
$2,438
Affordability Snapshot
$412,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,613/mo PITI).

23%
Rent-to-Income Ratio

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

11.6x
Home Price-to-Income Ratio

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

51.2 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 93105 in Santa Barbara city, CA, a household would need roughly $412,000 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 $9,613. That is about 218% above the local median household income ($129,549), 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
53.6%-18% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
94.4%+9% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
9.9%-23% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
28.3%-43% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$1,496,500
Home Value
$2,438
Rent
1963
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 detached57.7%
  • 1-unit attached8.7%
  • 2-9 units15.9%
  • 10+ units17.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,496,500
Median rent$2,438
Owner-occupied53.6%
Vacant7.1%
Price-to-income11.6x
Est. income to buy$412,000