ZIP Code 93103 — Santa Barbara, California

The median home in 93103 is valued at $1,332,400 against a median household income of $104,238, a price-to-income ratio of 12.8. 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, 93103 ranks 17 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.3. Renting takes 26.1% of median household income (median rent $2,263 a month), under the 30% cost-burden threshold.

93103 ranks 528 of 1,558 statewide on median household income and 156 of 1,558 on median home value; its income is in line with the $107,221 Santa Barbara County median. 48% of households own their home, below the 64% statewide ZIP median, so most residents rent. 44% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 10.5%, in line with the 10.8% statewide ZIP median. Unemployment stands at 3.8%.

With 3,573 residents per square mile across 5.5 square miles of land, 93103 is far denser than the statewide ZIP median of 1,120 (rank 551 of 1,558). This is predominantly single-family residential with suburban street patterns.