93440 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93440 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Santa Barbara County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$885,000
Days to Sell
85
Homes Sold
8
Inventory
7
Conforming Loan Available
The median home in 93440 at $885,000 falls within the 2026 conforming loan limit of $941,850, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 85 days on average, 93440 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 93440 at $885,000 falls within the 2026 conforming loan limit of $941,850, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 93440 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 93440
To purchase the median home at $885,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,931.
Monthly Payment
$6,931
Income Required
$297,025
Principal & Interest
$5,453/mo
Down Payment (5%)
$44,250
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 93440.
Estimated Monthly Payment
$5,627
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