ZIP Code 93109 — Santa Barbara, California

The median home in 93109 is valued at $1,705,700 against a median household income of $121,250, a price-to-income ratio of 14.1. 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, 93109 ranks 20 of 20 ZIPs on affordability (1 = lowest ratio); the county median ratio is 8.3. Renting takes 28.4% of median household income (median rent $2,874 a month), under the 30% cost-burden threshold.

93109 ranks 333 of 1,558 statewide on median household income and 78 of 1,558 on median home value; its income is above the $107,221 Santa Barbara County median. 55% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 56% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 17.8%, far above the 10.8% statewide ZIP median. Unemployment stands at 6.7%.

With 3,419 residents per square mile across 3.4 square miles of land, 93109 is far denser than the statewide ZIP median of 1,120 (rank 566 of 1,558). This is predominantly single-family residential with suburban street patterns.