93103 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93103 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$2,774,500
Days to Sell
29
Homes Sold
26
Inventory
28
Sale-to-List
101.5%
New Listings
37
Price/SqFt
$1,664
Pending Sales
29
Jumbo Loan Likely Needed
The median home in 93103 at $2,774,500 exceeds the 2026 conforming loan limit of $941,850 by $1,832,650. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
Homes in 93103 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 93103 (101.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93103 at $2,774,500 exceeds the 2026 conforming loan limit of $941,850 by $1,832,650. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 93103 are set at the county level.
2026 Loan Limits — Santa Barbara County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $941,850 | $941,850 |
| 2 Units | $1,205,750 | $1,205,750 |
| 3 Units | $1,457,450 | $1,457,450 |
| 4 Units | $1,811,300 | $1,811,300 |
Affordability Snapshot — Zip 93103
To purchase the median home at $2,774,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $21,407.
Monthly Payment
$21,407
Income Required
$917,457
Principal & Interest
$17,096/mo
Down Payment (5%)
$138,725
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 93103.
Estimated Monthly Payment
$17,321
Jumbo loan required. Loan amount exceeds the $941,850 conforming limit for 93103.
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