93109 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93109 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$2,932,500
Days to Sell
40
Homes Sold
24
Inventory
14
Sale-to-List
97.3%
New Listings
23
Price/SqFt
$1,608
Pending Sales
21
Jumbo Loan Likely Needed
The median home in 93109 at $2,932,500 exceeds the 2026 conforming loan limit of $941,850 by $1,990,650. 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
93109's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 93109 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 93109 at $2,932,500 exceeds the 2026 conforming loan limit of $941,850 by $1,990,650. 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 93109 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 93109
To purchase the median home at $2,932,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $22,618.
Monthly Payment
$22,618
Income Required
$969,338
Principal & Interest
$18,069/mo
Down Payment (5%)
$146,625
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 93109.
Estimated Monthly Payment
$18,299
Jumbo loan required. Loan amount exceeds the $941,850 conforming limit for 93109.
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