ZIP Code 93109 — Santa Barbara, CA Home Prices (2026)
The typical home in ZIP 93109 (Santa Barbara, California) is worth about $2,430,000 at roughly $1496 per square foot — 32% more expensive than the Santa Barbara median and 727% more expensive than the typical U.S. home.
How 93109 compares
ZIP 93109 is one of the pricier ZIP codes in Santa Barbara: its typical home value of $2,430,000 ranks #1 of the 6 Santa Barbara ZIP codes we track (the citywide range runs from $1,485,000 in 93101 to $2,430,000 in 93109). Per square foot it costs about $1496, against $1247 for Santa Barbara as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 93109 | $2,430,000 | $1496 |
| Santa Barbara, CA | $1,835,000 | $1247 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 93109
Using this ZIP’s rate of about $1496 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $1,496,000 |
| 1,500 sq ft | $2,244,000 |
| 2,000 sq ft | $2,992,000 |
| 2,500 sq ft | $3,740,000 |
| 3,000 sq ft | $4,488,000 |
Salary needed to buy a home in ZIP 93109
To buy the typical $2,430,000 home in ZIP 93109 with 20% down, you need a household income of roughly $661,000 a year (about $15,430 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $786,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $121,500 | $19,170/mo | $822,000/yr |
| 10% (+PMI) | $243,000 | $18,330/mo | $786,000/yr |
| 20% | $486,000 | $15,430/mo | $661,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 93109
At about $1496 per square foot, here is roughly how much home different budgets get you in ZIP 93109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $1.50M | 1000 sq ft | below the local median — condos, smaller or older homes |
| $2.00M | 1340 sq ft | around the typical home here |
| $3.00M | 2010 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 93109 home.
Estimate a specific home in 93109
The estimator below is pre-set to ZIP 93109 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Santa Barbara ZIP codes by home value
Where 93109 sits among Santa Barbara’s 6 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 93109 (this page) | $2,430,000 | $1496 |
| 2 | 93110 | $1,922,000 | $1397 |
| 3 | 93105 | $1,918,000 | $1146 |
| 4 | 93103 | $1,752,000 | $1081 |
| 5 | 93111 | $1,670,000 | $974 |
| 6 | 93101 | $1,485,000 | $1348 |
ZIP 93109 home prices: frequently asked
What is the average home price in ZIP code 93109? +
What is the price per square foot in 93109? +
What salary do you need to buy a house in ZIP 93109? +
Is 93109 an expensive ZIP code? +
See the full Santa Barbara home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.