Santa Maria, CA
Stress
44WATCH
Risk
32MODERATE
7d
Generating analysis...
BuyingProceed with caution
Santa Maria shows some strain. Keep payments under 30% of income. You have negotiating power as the market cools.
SellingMarket is shifting
Moderate correction risk. Price competitively. Overpriced listings are sitting longer.
OwningStay informed
Some indicators elevated but nothing alarming. Home likely holding value.
Score Breakdown
$998K+2.8% YoY
10.9%of listings reduced
64median
820+0.6% YoY
$5,868PITI on median
99.4%of income
0.02%
6.66%
5.2%state (BLS)
WestBLS regional adjustment
Larger shape = more stress from more sources.
Market Signals
12-MONTH FORECAST
Statistical projection based on historical trends.
12-month price projectionTrend direction, confidence bands, and R-squared fit.
Try FreeAffordability
AFFORDABILITYRenting $2,574/mo cheaper ($3,294 rent)6.66% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Santa Maria.
$199,501 on $997,505.997
Out of reach — 93.9% of income
Need $251,486/yr to afford.
PITI$5,868
P/I93.9%
Afford$297K
Gap-$700K
P&I $5,128Tax $590Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
RENT VS BUY
Rent$3,294/mo
Buy (PITI)$5,868/mo
Renting 78% cheaper20% down, 6.66%, 30yr fixed, full PITI
25.2xSeverely Overvalued
2 years
051015yr
Extra/mo$2,574
Equity/yr$47,731
Buying pays off quickly.
Trend
Score HistoryJul 31, 2026
Rising = worse for buyers.
Full 2-year history30 days free. Pro unlocks everything.
Try FreeReading
Preparation guides for watch territory.