States · California · Santa Barbara County

Santa Maria, California.

Typical home $665,485 (+4.0% in a year), asking rent $2,509 (+0.8%). Santa Maria-Santa Barbara, CA metro.

What it costs per month · Santa Maria $3,493/mo

to buy the typical home at today's mortgage rate — +$1,962 (+128%) since Jan 2020.

What the home itself did
1 year
Up $25,690 +4%
$639,795$665,485 since Sep 2025
5 years
Up $142,885 +27%
$522,600$665,485 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.

$1,000 $2,000 $3,000 $4,000 2002 2006 2010 2014 2018 2022 2026 Santa Maria $3,493 California $3,997 United States $1,922
$1,000 $2,000 $3,000 $4,000 2002 2010 2018 2026
  • Santa Maria$3,493
  • California$3,997
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 14 years.

Typical home values in Santa Maria, CA rose 4.0% over the past year — faster than the nation's +1.2%.

Asking rents in Santa Maria, CA rose 0.8% over the past year — slower than the nation's +2.7%.

Owning the typical home in Santa Maria runs $2,055/mo more than renting one — the widest that gap has been in this data.

That is $4,563 a month against $2,509 rent: a $3,493 mortgage payment, plus $358 property tax and $712 insurance & upkeep.

Owning vs renting — Santa Maria

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.

$2,000 $3,000 $4,000 2021 2022 2023 2024 2025 2026 Owning all in $4,563 Renting $2,509 Mortgage only $3,493
$2,000 $3,000 $4,000 2022 2024 2026
  • Owning all in$4,563
  • Renting$2,509
  • Mortgage only$3,493

Property tax · $358/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 · $712/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.

Living in Santa Maria, Santa Barbara County, California

Santa Maria is a city of 109,707 people in Santa Barbara County. Half its households earn more than $84,746 a year and half less, against $98,161 across Santa Barbara County; 17% of its people live below the poverty line. 50% of its homes are lived in by their owners and 50% are rented. Unemployment in Santa Maria was 5.3% in August 2026, and Santa Barbara County had 0.6% fewer jobs in 2025 than the year before. The most residents work in farming, then schools and health care.

People 109,707 in the 2020 census; median age 29.3
Household income $84,746 the median, give or take $4,196 · Santa Barbara County: $98,161
Unemployment 5.3% Santa Maria, August 2026; 5.4% a year before
Homes 50% lived in by their owners; 50% rented

Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Santa Maria is a city with a young population, with a median age well below what most older homeowners might expect. Incomes run below the county's, poverty is more common than a typical American city might see, and owners and renters make up close to equal parts of the city's households, so renting is a large part of local life. Home values and rents are both high, and few adults hold a four-year degree.

Work. Many residents work in farming, in schools, hospitals and social care, in shops, and in restaurants, hotels and entertainment. Among the largest workplaces in Santa Maria are Marian Medical Center, Santa Maria-Bonita Schools and Eat Sweet Farms, a berry wholesaler, and strawberry growers also appear on the list of big employers. Unemployment is close to where it stood a year earlier, and the county as a whole has seen slightly fewer jobs than the year before.

Things to do. A short drive away, Twitchell Reservoir offers a reservoir to visit, and Dana Adobe is a museum of local history. Farther afield, Pismo State Beach is a beach a longer drive away, and the Guadalupe–Nipomo Dunes is a protected area of coastal dunes, also a longer drive. Winters are mild and the year brings little rain, so getting outdoors is possible in most months.

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  • 29,505households
  • 16%of adults have a degree
  • 17%below the poverty line
  • 22 mintypical commute
  • 5%work from home

What residents work in

  • Farming, forestry and mining23%
  • Schools, hospitals and social care18%
  • Shops (retail)10%
  • Restaurants, hotels and entertainment9%
  • Manufacturing7%
  • Building trades7%

Employed residents by industry, from the Census survey. Santa Barbara County had 214,947 jobs in 2025, 0.6% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in December, 64° and 40°; warmest in September, 75° and 54° 40° 50° 60° 70° 80° J F M A M J J A S 75° 54° O N D 64° 40°
Average daily high and low for each month: coldest in December, 64° and 40°; warmest in September, 75° and 54° 40° 50° 60° 70° 80° J F M A M J J A S 75° 54° O N D 64° 40°

Coldest in December, with highs near 64° and lows near 40°; warmest in September, with highs near 75° and lows near 54°. About 13 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Santa Maria Public Airport weather station, 2 miles away (NOAA).

Largest workplaces in Santa Maria

  1. Marian Medical CenterGeneral hospital1,857FTE
  2. Santa Maria-Bonita SchoolsSchool district1,727FTE
  3. Eat Sweet FarmsBerries, fresh, merchant wholesalers1,716
  4. Berry Valley FarmsStrawberry farming1,323
  5. DL Farm ManagementStrawberry farming1,103
  6. Camarillo HarvestingStrawberry farming979
  7. Santa Maria Joint Union High SchoolsSchool district931FTE
  8. City of Santa Maria809

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 117 workplaces with 20 or more staff, 19,403 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. DroughtRelatively high
  2. Earthquakesrelatively high in parts of Santa MariaRelatively moderate
  3. Inland floodingrelatively high in parts of Santa MariaRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Santa Maria’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Santa Barbara County and the Santa Maria-Santa Barbara, CA metro.

Santa Maria home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 $800,000 2018 2020 2022 2024 2026 Santa Maria $665,485 California $761,538 United States $366,157
$200,000 $400,000 $600,000 $800,000 2018 2022 2026
  • Santa Maria$665,485
  • California$761,538
  • United States$366,157
Property tax, 2026 roll $4,386/yr median bill inside Santa Maria, effective 0.66% of estimated value — current assessment rolls, AssessorSearch Data Lab, quality-gated against the county's official figures

Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.

Sellers are cutting prices on about 1 in 4 Santa Maria listings, and the typical home goes pending in 14 days — the market is cooling.

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

10% 15% 20% 25% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Santa Maria 27.81% United States 26.90%
10% 15% 20% 25% 2018 2022 2026
  • Santa Maria27.81%
  • United States26.90%

Days to pending

How long the typical listing takes to go under contract.

10 20 30 40 2018 2019 2020 2021 2022 2023 2024 2025 2026 Santa Maria 14 United States 27
10 20 30 40 2018 2022 2026
  • Santa Maria14
  • United States27

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

150 200 250 2018 2019 2020 2021 2022 2023 2024 2025 2026 Santa Maria 196
150 200 250 2018 2022 2026
  • Santa Maria196

New listings per month

Sellers arriving at the market.

50 75 100 2018 2019 2020 2021 2022 2023 2024 2025 2026 Santa Maria 78
50 75 100 2018 2022 2026
  • Santa Maria78

Median sale price

What buyers actually paid — closed sales, not asking prices.

$200,000 $400,000 $600,000 2018 2019 2020 2021 2022 2023 2024 2025 2026 Santa Maria $667,513 United States $371,407
$200,000 $400,000 $600,000 2018 2022 2026
  • Santa Maria$667,513
  • United States$371,407

Sale-to-list ratio

Above 100%, homes sell over asking; below, buyers negotiate wins.

99% 100% 101% 102% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Santa Maria 100.35%
99% 100% 101% 102% 2018 2022 2026
  • Santa Maria100.35%

Zip codes with a Santa Maria address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Santa Maria — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Santa Maria