Skyline of Santa Barbara
Cost of Living: 180 92,000

Santa Barbara, CA, US

American Riviera with Spanish colonial architecture, wine country, and stunning coastline.

Updated September 12, 2026

Overview

Santa Barbara is a city in CA with a population of 92,000. American Riviera with Spanish colonial architecture, wine country, and stunning coastline. Housing is notably more expensive than the national average. The overall cost of living is above the national average. Gardening thrives here — the 6b growing zone supports Cool to mild — apples, pears, berries, many vegetables. A large share of residents hold a bachelor’s degree or higher. The city enjoys abundant sunshine, with about 280 sunny days a year.

Last updated: September 12, 2026

Cost of Living 180

Very High vs US Avg (100)

Housing Index 230

Very Expensive

Median Income $78,000

Household income

Unemployment 3.5%

Job market health

Santa Barbara vs US Average

Cost of Living
Santa Barbara: 180
US Avg: 100
Housing Index
Santa Barbara: 230
US Avg: 100
State Income Tax
Santa Barbara: 8%
US Avg: ~5%

Taxes

  • State Income Tax: 8.0%
  • Sales Tax: 10.0%

Economy & Jobs

  • Median Income: $78,000
  • Unemployment: 3.5%
  • Population: 92,000

Climate

  • Sunny Days: 280/year
  • Summer High: 75°F
  • Winter Low: 45°F
  • Farming Zone: USDA Zone 6b

Housing

  • Median Home: $1,300,000
  • 1BR Rent: $2400/mo

Not sure this is the right city?

Take our 2-minute quiz to discover the best cities for your lifestyle and budget.

Take the Quiz

Cost of Living

Santa Barbara's cost of living index is 180 (US average = 100).

CategorySanta BarbaraNational AverageDifference
Overall180100+80.0%
Housing230100+130.0%

Data source: Council for Community and Economic Research (C2ER), 2026

Housing Market

MetricValue
Median Home Price$1,300,000
Median Rent (1BR)$2400/mo
Median Rent (2BR)$3,000/mo
Price per Sq Ft$866

Data source: Zillow Research, 2026

True Cost of Home Ownership

True Cost of Home Ownership

See what you'll really pay over 30 years

$
%
$90,000 down
%
%
$

Utilities

Estimated monthly utility costs for a typical household in Santa Barbara:

UtilityEstimated Monthly CostNotes
Electricity$243Based on ~900 kWh/month typical US household usage
Heating & Cooling$45Estimated based on local climate. Gas or electric
Cooling (AC)N/AEstimated based on local climate and electricity rates
Water$95Includes sewer
Internet (100+ Mbps)$75Broadband average
Garbage / Trash$30Private service
Total Utilities$488Monthly estimate (including heating & cooling)

Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow

Remote Work Score

Santa Barbara scores —/100 for remote work readiness:

Cost of Living
180
Rent
$2400
Sunny Days
280
Tax
8%
Unemployment
3.5%
Climate
75°F / 45°F
Safety
5.8 homicides/100k
Population
92,000
Internet Speed
200 Mbps

Climate

Santa Barbara has a varied climate with distinct seasons.

MonthAvg HighAvg LowRainfall
January65°F45°F2.5"
April60°F60°F2.8"
July75°F50°F1.5"
October55°F63°F2.2"
USDA Zone 6b

Cool to mild — apples, pears, berries, many vegetables

Natural Hazards

Santa Barbara faces the following natural hazards:

Wildfire Extreme Risk

Frequent and severe wildfire seasons.

Earthquake High Risk

Located on the San Andreas Fault system with frequent seismic activity.

Heat Wave High Risk

Extreme summer heat in inland and desert regions.

Drought High Risk

Frequent and severe drought conditions.

Landslide High Risk

Coastal and mountainous regions with frequent landslides.

Avalanche High Risk

Sierra Nevada with frequent avalanches.

Flood Moderate Risk

Flash floods and river flooding.

Sandstorm Moderate Risk

Dust storms in desert regions.

Based on historical records and geographic risk assessment.

Taxes

  • State Income Tax: 8%
  • Sales Tax: 10%
  • Property Tax: ~0.75% of assessed value

Economy & Jobs

Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 3.5%.

Schools & Education

67/100
School Quality Score
Better than 37% of US cities
?
33
Total Schools
9.9:1
Student:Teacher
82.9%
Free/Reduced Lunch

Data source: National Center for Education Statistics (NCES)

Universities & Higher Education

2
Universities
#108
Top University Rank
1
Top 500 Universities
Top-Ranked University University of California, Santa Barbara

Data source: Center for World University Rankings (CWUR) & World Universities Database

Demographics

The population of Santa Barbara is diverse. The figures below show the ethnic, educational, and religious composition of the local population.

Ethnicity

Asian
3.7%
Black or African American
1.2%
Hispanic or Latino
36.8%
Native American
0.2%
Native Hawaiian or Pacific Islander
0.1%
Other
0.9%
Two or more races
3.6%
White
53.4%

Education

Bachelor's degree or higher
50.2%
High school graduate
11.9%
Less than high school
11.1%
Some college
26.8%

Religion

Buddhist
2.0%
Christian
58.0%
Hindu
2.0%
Jewish
3.0%
Muslim
2.0%
Unaffiliated
33.0%

Data source: US Census Bureau American Community Survey (ACS) (2023)

Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.

Frequently Asked Questions

What is the cost of living in Santa Barbara, CA, US?

The cost of living index in Santa Barbara is 180, which is Higher the US national average of 100.

How much does it cost to buy a home in Santa Barbara?

The median home price in Santa Barbara is $1,300,000. The housing index is 230.

What is the average rent for a 1-bedroom apartment?

The average rent for a 1-bedroom apartment in Santa Barbara is approximately $2400/mo.

Does Santa Barbara, CA have income tax?

Santa Barbara is in CA, which has an income tax rate of 8%.

What is the climate like in Santa Barbara?

Santa Barbara enjoys approximately 280 sunny days per year. Summer highs reach around 75°F, while winter lows can drop to around 45°F.

Data Sources

  • Cost of Living: Council for Community and Economic Research (C2ER), 2026
  • Housing Data: Zillow Research, 2026
  • Income & Employment: US Census Bureau American Community Survey, 2024
  • Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow

Data last updated: September 13, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.