The median home in Santa Maria, California is valued at $640,957, up 0.3% year over year. Typical monthly rent is $2,389, producing a price-to-rent ratio of 22.4x — well above the national average of 18x. Santa Maria is part of the Santa Maria-Santa Barbara, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$640,957

+0.3%

Rent$2,389/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Santa Maria.

Income (annual)

Down Payment

$128,191 on $640,957

Example: $75,000 household income. Change it above to see your own.

Out of reach60.3% of income

Need $161,571/yr to afford.

PITI$3,770

P/I60.3%

Afford$298K

Gap-$343K

P&I $3,241Tax $379Ins $150

Renting $1,381/mo cheaper ($2,389 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 Maria with other housing markets across California.

Atherton$7.52M Los Altos Hills$5.8M Montecito$5.25M Hidden Hills$4.99M Hillsborough$4.95M Los Altos$4.45M Belvedere$4.42M Rancho Santa Fe$4.19M

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

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Santa Maria, CA