93109
Santa Barbara, California.
Santa Barbara, Santa Barbara County, CA · Santa Maria-Santa Barbara, CA metro · population 10,915
to buy the typical home at today's mortgage rate — +$7,455 (+154%) since Jan 2020.
- 1 year
- Up $115,883 +5%
- $2,223,766$2,339,649 since Sep 2025
- 5 years
- Up $551,931 +31%
- $1,787,718$2,339,649 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 93109$12,280
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in zip 93109 rose 5.2% over the past year — faster than the nation's +1.2%.
Asking rents in zip 93109 rose 7.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 93109 runs $11,128/mo more than renting one — the widest that gap has been in this data.
That is $16,043 a month against $4,915 rent: a $12,280 mortgage payment, plus $1,258 property tax and $2,505 insurance & upkeep.
Owning vs renting — zip 93109
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$16,043
- Renting$4,915
- Mortgage only$12,280
Property tax · $1,258/mo 0.65% of value a year — the ACS 2020-2024 median bill over the median home value for Santa Barbara County, CA
Insurance & upkeep · $2,505/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Santa Barbara, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 93109
Against the Santa Maria-Santa Barbara, CA metro and the national benchmark.
- 93109$4,915
- Santa Maria$3,279
- United States$1,932
Typical home value — 93109
Mid-tier homes, smoothed and seasonally adjusted.
- 93109$2,339,649
- Santa Maria$988,948
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 1.4 | 93101 | Santa Barbara | 31,554 | $3,332 | $1,445,816 |
| 3.2 | 93110 | Santa Barbara | 15,436 | $3,618 | $1,887,353 |
| 3.4 | 93103 | Santa Barbara | 19,382 | $3,983 | $1,700,080 |
| 5.2 | 93111 | Santa Barbara | 18,274 | $4,217 | $1,645,855 |
| 7.6 | 93108 | Santa Barbara | 11,526 | $13,333 | $5,168,107 |
| 7.7 | 93067 | Summerland | 1,101 | — | $2,679,951 |
| 8.5 | 93105 | Santa Barbara | 24,437 | $3,532 | $1,887,479 |
| 14.1 | 93013 | Carpinteria | 16,317 | $4,657 | $1,520,853 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.