ZIP Code 93101 — Santa Barbara, California

The median home in 93101 is valued at $1,036,800 against a median household income of $76,130, a price-to-income ratio of 13.6. That is far above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, which means a household earning the local median income cannot finance the local median home on conventional terms. Within Santa Barbara County, 93101 ranks 19 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.3. Renting takes 31.7% of median household income (median rent $2,009 a month), above the 30% cost-burden threshold.

93101 ranks 960 of 1,558 statewide on median household income and 299 of 1,558 on median home value; its income is below the $107,221 Santa Barbara County median. 22% of households own their home, far below the 64% statewide ZIP median, so most residents rent. 41% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 16.9%, far above the 10.8% statewide ZIP median. Unemployment stands at 3.9%.

With 9,334 residents per square mile across 3.2 square miles of land, 93101 is far denser than the statewide ZIP median of 1,120 (rank 182 of 1,558). This is a mixed urban fabric of apartments, small-lot houses and commercial corridors.