93460 — Santa Barbara County, California Market Snapshot
Housing market data for zip code 93460 in Santa Barbara County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$2,000,000
Days to Sell
131
Homes Sold
19
Inventory
32
Sale-to-List
96.1%
New Listings
25
Price/SqFt
$761
Pending Sales
19
Jumbo Loan Likely Needed
The median home in 93460 at $2,000,000 exceeds the 2026 conforming loan limit of $941,850 by $1,058,150. 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 131 days on average, 93460 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 93460 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 93460 at $2,000,000 exceeds the 2026 conforming loan limit of $941,850 by $1,058,150. 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 93460 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 93460
To purchase the median home at $2,000,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,473.
Monthly Payment
$15,473
Income Required
$663,144
Principal & Interest
$12,323/mo
Down Payment (5%)
$100,000
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 93460.
Estimated Monthly Payment
$12,528
Jumbo loan required. Loan amount exceeds the $941,850 conforming limit for 93460.
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