93013 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93013 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$1,790,500
Days to Sell
35
Homes Sold
32
Inventory
28
Sale-to-List
100.2%
New Listings
37
Price/SqFt
$1,433
Pending Sales
32
Jumbo Loan Likely Needed
The median home in 93013 at $1,790,500 exceeds the 2026 conforming loan limit of $941,850 by $848,650. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
93013's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 93013 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 93013 at $1,790,500 exceeds the 2026 conforming loan limit of $941,850 by $848,650. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 93013 are set at the county level.
2026 Loan Limits — Santa Barbara County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $941,850 | $941,850 |
| 2 Units | $1,205,750 | $1,205,750 |
| 3 Units | $1,457,450 | $1,457,450 |
| 4 Units | $1,811,300 | $1,811,300 |
Affordability Snapshot — Zip 93013
To purchase the median home at $1,790,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $13,868.
Monthly Payment
$13,868
Income Required
$594,353
Principal & Interest
$11,032/mo
Down Payment (5%)
$89,525
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 93013.
Estimated Monthly Payment
$11,231
Jumbo loan required. Loan amount exceeds the $941,850 conforming limit for 93013.
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