Santa Barbara County, California Housing Market & Loan Limits
Explore county loan limits, affordability benchmarks, and ZIP-level market pages for Santa Barbara County, California.
2026 Loan Limits in Santa Barbara County
| Property Type | Conforming | FHA |
|---|---|---|
| 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 - Santa Barbara County, California
To purchase the median home at $350,000 with 5% down at 6.75%, the estimated monthly payment is approximately $2,832.
Monthly Payment
$2,832
Income Required
$121,354
Principal & Interest
$2,157/mo
Down Payment (5%)
$17,500
Based on a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800/yr insurance, and a 28% DTI guideline.
ZIP codes in Santa Barbara County
Jump into ZIP-level market pages for this county.