Santa Maria, CA home prices
Typical home $988,948 · +4.3% in a year · income needed $272,100
The Santa Maria, CA metro area ranks 11 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.3% in a year and +30.2% over five years. With 20% down at 7.11%, the typical home costs about $6,349 a month including 0.65% property tax (Santa Barbara County rate).
Mortgage on the typical Santa Maria home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $197,790 | $791,158 | $5,322 | $0 | $1,026 | $6,349 | $272,100 |
| 10% down | $98,895 | $890,053 | $5,987 | $371 | $1,026 | $7,385 | $316,500 |
| 5% down | $49,447 | $939,500 | $6,320 | $391 | $1,026 | $7,738 | $331,600 |
| 3.5% down (FHA) | $34,613 | $971,035 | $6,532 | $437 | $1,026 | $7,996 | $342,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Santa Maria area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Santa Barbara County, CA | $988,595 | +4.3% | 0.65% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Santa Maria?
The typical home in the Santa Maria, CA metro area is worth $988,948 (Zillow, September 2026).
What salary do you need to buy a house in Santa Maria?
About $272,100 a year for the typical home with 20% down at 7.11%.