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.

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

Home Value$640,957

+0.3%

Rent$2,389/mo

AFFORDABILITY

Enter your income for Santa Maria.

Income (annual)

Down Payment

$128,191 on $640,957

Out of reach — 60.3% 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$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 MARIA, CA