HousingHandbookReference data

U.S. ZIP Code · CA93109

Santa Barbara County · Santa Maria-Santa Barbara, CA

Typical home value

$2,460,911[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.8%
5-year / yr
+8.3%
10-year / yr
+6.4%

Relative price

vs U.S.
+766.3%
vs metro
+67.1%
vs state
+251.3%
ZIP 93109 location in CA
Location of ZIP 93109 in CA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 93109 is worth $2,460,911 — 67.1% above the Santa Maria-Santa Barbara, CA median. Over the past year, values have risen 2.8%. The effective property tax rate is 0.4%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.4%[3]
Typical annual tax
$10,922[3]

#Climate risk

FEMA National Risk Index ratings for Santa Barbara County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Relatively Low
Wildfire
Relatively High
Drought
Very High
Heat wave
Relatively Low
Hurricane
No Rating
Tornado
Very Low
Earthquake
Relatively High
Winter weather
Very Low

#Who lives here

Population
10,915[3]
Median household income
$123,347[3]

#Migration

Household moves in and out of Santa Barbara County over a year, from IRS tax-return data.

Net migration
-2,163[5]
Moved in
7,807
Moved out
9,970

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
3
Middle
0
High
0
  • Washington Elementary

    Elementary · Grades K–6 · Santa Barbara Unified

    486 students

  • Monroe Elementary

    Elementary · Grades K–6 · Santa Barbara Unified

    321 students

  • McKinley Elementary

    Elementary · Grades K–6 · Santa Barbara Unified

    264 students

  • Olive Grove Charter - Santa Barbara

    Other · Grades K–12 · Olive Grove Charter - Santa Barbara District

    82 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$12,444
Loan principal$1,968,729
Down payment$492,182
Total interest paid$2,511,005

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$15,397
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
90th percentile[1]
Rental yield
[2]
Property tax
0th percentile[3]

Frequently asked

How much is a home worth in ZIP code 93109?
The typical home in 93109 is worth $2,460,911, based on the Zillow Home Value Index.
Are home values rising in 93109?
Home values in 93109 are up 2.8% over the past year, and up 8.3% a year over five years.
What is the property tax rate in 93109?
The effective property tax rate in 93109 is 0.4% — roughly $10,922 a year on a typical home.
Who lives in 93109?
ZIP code 93109 has a population of 10,915 and a median household income of $123,347.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Summerland CDP, CA

    Typical home
    $2,643,549
    Gross yield
  • Eastern Goleta Valley CDP, CA

    Typical home
    $1,927,303
    Gross yield
    2.0%
  • Santa Barbara, CA

    Typical home
    $1,918,228
    Gross yield
    2.8%
  • Santa Ynez CDP, CA

    Typical home
    $1,884,835
    Gross yield
  • Los Olivos CDP, CA

    Typical home
    $1,776,993
    Gross yield
  • Santa Barbara, CA

    Typical home
    $1,749,279
    Gross yield
    2.7%

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