93427 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93427 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,005,000
Days to Sell
72
Homes Sold
12
Inventory
10
Sale-to-List
97.1%
New Listings
10
Price/SqFt
$562
Pending Sales
11
Jumbo Loan Likely Needed
The median home in 93427 at $1,005,000 exceeds the 2026 conforming loan limit of $941,850 by $63,150. 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
With homes sitting for 72 days on average, 93427 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 93427 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 93427 at $1,005,000 exceeds the 2026 conforming loan limit of $941,850 by $63,150. 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 93427 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 93427
To purchase the median home at $1,005,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,850.
Monthly Payment
$7,850
Income Required
$336,428
Principal & Interest
$6,192/mo
Down Payment (5%)
$50,250
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 93427.
Estimated Monthly Payment
$6,370
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 93427. Tell us what you're looking for.