Santa Maria, California.
Typical home $665,485 (+4.0% in a year), asking rent $2,509 (+0.8%). Santa Maria-Santa Barbara, CA metro.
to buy the typical home at today's mortgage rate — +$1,962 (+128%) since Jan 2020.
- 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.
- 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.
- 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.
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
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
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
- Marian Medical CenterGeneral hospital1,857FTE
- Santa Maria-Bonita SchoolsSchool district1,727FTE
- Eat Sweet FarmsBerries, fresh, merchant wholesalers1,716
- Berry Valley FarmsStrawberry farming1,323
- DL Farm ManagementStrawberry farming1,103
- Camarillo HarvestingStrawberry farming979
- Santa Maria Joint Union High SchoolsSchool district931FTE
- 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
- DroughtRelatively high
- Earthquakesrelatively high in parts of Santa MariaRelatively moderate
- 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.
- Santa Maria$665,485
- California$761,538
- United States$366,157
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.
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.
- Santa Maria27.81%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Santa Maria14
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Santa Maria196
New listings per month
Sellers arriving at the market.
- Santa Maria78
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Santa Maria$667,513
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- 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
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 93458 | Santa Maria | 59,148 | $2,186 | $616,181 |
| 93455 | Santa Maria | 44,611 | $3,221 | $722,610 |
| 93454 | Santa Maria | 41,896 | $2,401 | $635,567 |