ZIP Code 93108 — Montecito CDP, CA Demographics & Data

ZIP code 93108 covers Montecito, CA in Santa Barbara County with a population of about 11,664.

At a glance, the area shows median age of 54.8 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.

Montecito, CA aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 93108 is about $223,694 — about 198% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 3.7%; 73.9% of adults with a bachelor’s degree or higher (about 40.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Healthcare; about 26.1% of workers reporting work-from-home (about 10.9 points above 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 $2,000,001 — about 475% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,501 (about 201% above the U.S. median rent ($1,163)), and owner-occupancy near 75.4% (about 10.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 93108 in Montecito, CA, a household would need roughly $551,000 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 $12,847. That is about 146% above the local median household income ($223,694), 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 Montecito 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 Montecito 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 574 for ZIP 93108 (Montecito 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.