93105 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93105 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$1,960,000
Days to Sell
43
Homes Sold
59
Inventory
37
Sale-to-List
98.7%
New Listings
60
Price/SqFt
$1,220
Pending Sales
52
Jumbo Loan Likely Needed
The median home in 93105 at $1,960,000 exceeds the 2026 conforming loan limit of $941,850 by $1,018,150. 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
93105's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 93105 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93105 at $1,960,000 exceeds the 2026 conforming loan limit of $941,850 by $1,018,150. 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 93105 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 93105
To purchase the median home at $1,960,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,167.
Monthly Payment
$15,167
Income Required
$650,010
Principal & Interest
$12,077/mo
Down Payment (5%)
$98,000
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 93105.
Estimated Monthly Payment
$12,280
Jumbo loan required. Loan amount exceeds the $941,850 conforming limit for 93105.
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