County data
Santa Barbara County, CA Mortgage Calculator
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& interest
- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
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- Paid off
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Santa Barbara County at a glance
Median home value
$790,700
Property tax rate
0.73%
California: 0.79% · U.S.: 1.05%
Median income
$98,161
Conforming loan limit
$941,850
Typical monthly cost of the median home
Principal and interest
$4,328
$632,560 loan at 7.28%, 30 years
Property tax
$481
0.73% of $790,700 a year
Together
$4,809
before insurance, HOA and PMI
Other large counties in California
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Los Angeles County | $834,200 | 0.76% | $5,094 |
| San Diego County | $854,700 | 0.75% | $5,213 |
| Orange County | $962,600 | 0.73% | $5,855 |
| Riverside County | $557,300 | 0.85% | $3,445 |
| San Bernardino County | $505,000 | 0.77% | $3,088 |
| Santa Clara County | $1,490,600 | 0.67% | $8,991 |
| Alameda County | $1,090,100 | 0.87% | $6,757 |
| Sacramento County | $534,200 | 0.80% | $3,280 |
Frequently asked questions
What is the property tax rate in Santa Barbara County, CA?
Homeowners with a mortgage in Santa Barbara County pay a median of $5,735 a year in property tax on a median home value of $790,700, an effective rate of 0.73%. That is below the California figure of 0.79% and below the U.S. median of 1.05%. It ranks 44 of 58 counties in California for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in Santa Barbara County?
On a $790,700 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $4,328 a month and property tax about $481, so roughly $4,809 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $98,161 a year, so that payment is about 59% of it.
What is the conforming loan limit in Santa Barbara County?
The 2026 one-unit conforming loan limit for Santa Barbara County is $941,850, higher than the $832,750 that applies in most California counties because it is a designated high-cost area. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.