93455 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93455 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$435,000
Days to Sell
27
Homes Sold
17
Inventory
11
Sale-to-List
100.0%
New Listings
24
Price/SqFt
$376
Pending Sales
22
Conforming Loan Available
Most homebuyers in 93455 can comfortably use conventional financing. The median home price of $435,000 is well below the 2026 conforming loan limit of $941,850, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 93455 are moving quickly at 27 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 93455 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 93455 can comfortably use conventional financing. The median home price of $435,000 is well below the 2026 conforming loan limit of $941,850, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 93455 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 93455
To purchase the median home at $435,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,483.
Monthly Payment
$3,483
Income Required
$149,264
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,750
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 93455.
Estimated Monthly Payment
$2,842
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