The median home in Santa Barbara, California is valued at $1,778,342, up 0.4% year over year. Typical monthly rent is $3,662, producing a price-to-rent ratio of 40.5x — well above the national average of 18x. Santa Barbara is part of the Santa Maria-Santa Barbara, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Santa Maria-Santa Barbara, CA stress score, crash risk, and 12-month forecast →

Home Value$1,778,342

+0.4%

Rent$3,662/mo

AFFORDABILITY

Enter your income for Santa Barbara.

Income (annual)

Down Payment

$355,668 on $1,778,342

Out of reach — 163.1% of income

Need $436,886/yr to afford.

PITI$10,194

P/I163.1%

Afford$305K

Gap-$1473K

P&I $8,992Tax $1,052Ins $150

Renting $6,532/mo cheaper ($3,662 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Santa Barbara with other housing markets across California.

Atherton$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full Santa Maria-Santa Barbara, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Santa Maria-Santa Barbara, CA metro.

View Santa Maria-Santa Barbara, CA metro →

SANTA BARBARA, CA