ZIP Code 93109

In Santa Barbara's 93109 ZIP code, a median home value of $1,882,500 towers over the median household income of $123,347 — a gap that makes buying here a stretch for most earners. The county's 0.65% effective property tax rate softens the blow somewhat: it works out to roughly $12,236 a year on that median home, a sizable sum but a smaller share of value than many California jurisdictions impose. Per-capita income reaches $77,272, and a 7.75% combined sales tax applies to purchases. Even with the lower rate, the property tax alone consumes close to a tenth of median household earnings.