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Santa Maria city, CA

ZIP 93454 — 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 93454

Median Home Value
$477,600
Median Rent
$1,627
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,068/mo PITI).

23%
Rent-to-Income Ratio

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

5.7x
Home Price-to-Income Ratio

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

24.5 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 93454 in Santa Maria city, CA, a household would need roughly $131,000 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 $3,068. That is about 56% above the local median household income ($84,178), 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
53.1%-19% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
26.0%-48% vs US avg
x
Mortgage-Free
29.0%-24% vs US avg
x
$477,600
Home Value
$1,627
Rent
1974
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 detached61.0%
  • 1-unit attached7.6%
  • 2-9 units11.2%
  • 10+ units16.9%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$477,600
Median rent$1,627
Owner-occupied53.1%
Vacant3.9%
Price-to-income5.7x
Est. income to buy$131,000