CitytisticsShortlist

Cost of living, pay and housing

34.42° N · 119.63° W · GEOID 0648844

Montecito

Santa Barbara County, California · part of the Santa Maria, CA metro

CaliforniaMontecito, CAMontecitoMontecito

The short answer

Montecito is home to 9,031 people. Median household income is $231,005 a year and median rent is $3,501 a month, 18.2% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $2,000,001, about 8.7x annual median household income.

What sets Montecito apart is how far household money goes. Money left after rent is $188,800, against $127,600 in its closest peers. Also notable: Home value growth is 0% a year, against 6.5% a year in its closest peers.

95OF 100

CTXCitytistics Index

Exceptional

Montecito scores better than 95% of the 6,612 places we rate, and ranks 2nd of 654 in California.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%36
Economy 20%84
Safety 20%n/a
Amenities 15%68
Education 10%98
Commute 10%88
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$3,501
156% above the median place
Median household income
$231,005
188% above the median place
Median home value
$2,000,001
above the median place (median $319,400)
Unemployment
4.0%
17% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

01

Moving to Montecito

Santa Barbara County loses about 10.0 residents per 1,000 a year to moves between counties.

Moved in12,033
Moved out15,543
Net−3,510

Where people come from and where they go, top counties

Within California, other states or abroad

Arrivals
Leavers
Within CaliforniaOther statesAbroad

Income per tax return

Arrivals$115K
Leavers$84K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Santa Barbara County; flows under 20 returns are not published.

Who moves here
13.5% of residents arrived from another county in the past year, 3.4% from another state.
Who arrives and who leaves
Households moving into Santa Barbara County report $115,200 a year in income on average; those leaving, $84,300, so newcomers earn more than leavers.
Income you would need
$140,000 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $3,501 a month; owners with a mortgage pay $4,001 a month including taxes and insurance, on a median home of $2,000,001.
Getting to work
18 minutes each way on average; 33.9% work from home; 2.2% take transit.
If it is close but not quite
Medfield, MA matches it on character for less of your income. Compare the two
Moved here in the past year1
13.5%
136% above the median place
Moved from another state1
3.4%
71% above the median place
Income of households moving in7
$115,238
63% above the median place
All 5 moving measures
MeasureMontecitoAmong 6,645 placesVs median
Moved here in the past year113.5%136% above
Moved from another state13.4%71% above
Net movers per 1,000 people7County figure-10.0below (median -0.6)
Income of households moving in7County figure$115,23863% above
Income of households moving out7County figure$84,26120% above
02

What it costs to live here

The median household earns $231,005 a year, more than in 98% of the 2,480 places under 10,000 people we track.

Montecito18.2%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$140,040
a year, at the 30% line
Rent to income
18.2%
11% below the median place
Home price to income
8.7x
128% above the median place

Could you afford it?

The median rent would take
18%
comfortably under the 30% line
Left after rent, in US prices
$188,800
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Montecito, $3,501 a month, and local prices for everything else (100.1 against a US average of 100). It runs in your browser and stores nothing.

Like Montecito, but easier on the budget

Places that match Montecito on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Medfield, MA8511.0% vs 18.2%$5,800Compare
Lafayette, CA8115.2% vs 18.2%$5,900Compare
Lake Forest, IL769.3% vs 18.2%$20,500Compare
Kentfield, CA7113.2% vs 18.2%$29,500Compare

Moving from somewhere else? Work out the salary you would need in Montecito.

Sponsored · exampleMoving to Montecito? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Median home value1
$2,000,001
above the median place (median $319,400)
Owner costs with a mortgage1
$4,001
114% above the median place
Property tax paid (median)1
$10,001
206% above the median place
All 15 cost and housing measures
MeasureMontecitoAmong 6,645 placesVs median
Median gross rent1$3,501156% above
Rent to income118.2%11% below
Home price to income18.7x128% above
Prices vs US average2Metro figure108.88% above
Fair market rent, 2 bedrooms3County figure$3,10692% above
HUD area median income4County figure$118,60011% above
Property tax paid (median)1$10,001206% above
Median home value1$2,000,001above (median $319,400)
Home prices, 1-year change5County figure3.3%2% above
Home prices, 5-year change5County figure56.3%9% above
Homeownership175.8%14% above
Renters paying 30%+152.5%4% above
Owner costs with a mortgage1$4,001114% above
Vacant homes117.2%143% above
Median year built119690% below
03

Work and pay

Counting remote workers as zero, the average worker spends about 95 hours a year commuting, less than in 96% of the 2,101 places under 10,000 people we track.

Income per person1
$135,431
238% above the median place
Median household income1
$231,005
188% above the median place
Works from home1
33.9%
172% above the median place

More on work and pay, against the typical place

Mean commute18 min −26%
Unemployment4.0% −17%
Poverty rate8.3% −23%
All 10 work and pay measures
MeasureMontecitoAmong 6,645 placesVs median
Median household income1$231,005188% above
Income per person1$135,431238% above
Unemployment14.0%17% below
Average annual pay6County figure$73,06411% above
Pay growth, 1 year6County figure4.9%32% above
Jobs6County figure214,94743% above
Poverty rate18.3%23% below
Mean commute118 min26% below
Works from home133.9%172% above
Commutes by transit1County figure2.2%159% above
04

Who lives here

Bachelor's or higher is 76.3%, 138% above the median place.

Bachelor's or higher1
76.3%
138% above the median place
No health insurance1
2.0%
69% below the median place
High school or higher1
98.4%
7% above the median place

More about who lives here, against the typical place

Median age50.0 +28%
Homes with broadband95.6% +4%
Household size2.3 −8%
Born abroad10.2% +16%
All 8 people measures
MeasureMontecitoAmong 6,645 placesVs median
Population19,0314473rd largest
Median age150.028% above
Bachelor's or higher176.3%138% above
High school or higher198.4%7% above
Household size12.38% below
Born abroad110.2%16% above
No health insurance12.0%69% below
Homes with broadband195.6%4% above
05

Life in Montecito

About 16 km of named paths and bike trails are mapped in and around the city, more than in 96% of the 2,480 places under 10,000 people we track.

1 site is on the National Register of Historic Places, one of them a National Historic Landmark. Its history on Wikipedia

  • Steedman Estate listed 1987Landmark

Out the door, against the typical place

Parks per 10k residents12.2 +20%
Playgrounds per 10k4.4 −53%
Grocery stores per 10k2.2 +4%
Restaurants, cafes and bars per 10k5.5 −50%
Libraries per 10k4.4 5.1×
Named paths and bike trails16 km 8.0×
Bus and rail stops per sq mi2.5 11.9×

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Channel Islands National Park 54 miles
  • Santa Monica Mountains National Recreation Area 63 miles
  • Cesar E. Chavez National Monument 82 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars25.0 +20%
Shops33.3 +10%
Arts, recreation and fitness6.8 +66%
Doctors' offices and clinics24.4 +21%
Child care centers3.3 +43%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site10
53.8
75% above the median place
Arts, recreation and fitness per 10k8
6.8
66% above the median place
Students per teacher12
20.6
34% above the median place
All 18 schools and local life measures
MeasureMontecitoAmong 6,645 placesVs median
Public schools12County figure126above (median 9)
Public school students12County figure66,191above (median 4,897)
Students per teacher12County figure20.634% above
Restaurants and bars per 10k8County figure25.020% above
Shops per 10k8County figure33.310% above
Arts, recreation and fitness per 10k8County figure6.866% above
Doctors' offices and clinics per 10k8County figure24.421% above
Child care centers per 10k8County figure3.343% above
Parks per 10k912.220% above
Playgrounds per 10k94.453% below
Grocery stores per 10k92.24% above
Restaurants, cafes and bars per 10k95.550% below
Libraries per 10k94.4above (median 0.9)
Named paths and bike trails915.9above (median 2.0)
Transit stops per sq mi92.5above (median 0.2)
Nearest National Park Service site1053.875% above
National Park Service sites within 60 miles10150% below
National Register listings11192% below
06

Safety, weather and risk

Hurricane risk is 0.0, below the median place (median 70.7).

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Montecito. Larger places are fetched first.

Hurricane risk14
0.0
below the median place (median 70.7)
Tornado risk14
5.4
93% below the median place
Wildfire risk14
99.2
62% above the median place
All 11 weather and risk measures
MeasureMontecitoAmong 6,645 placesVs median
July average high13County figure82°F5% below
January average low13County figure40°F59% above
Average temperature13County figure59°F7% above
Annual precipitation13County figure18.9 in57% below
Natural hazard risk14County figure99.07% above
Hurricane risk14County figure0.0below (median 70.7)
Tornado risk14County figure5.493% below
Wildfire risk14County figure99.262% above
Heat wave risk14County figure75.416% below
Median air quality index15County figure5221% above
Good air days15County figure44.9%34% below
08

Montecito in 2030: where the trends point

If recent trends hold, the median rent will take about 19% of the median income in 2030, about the same as 18% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Montecito does better than 35% of places. Its projected home value growth beats 0%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$3,501/mo (2024)$4,580/mo$3,760 to $5,590/mo+4.6%
Median household income$231,005 (2024)$296,000$250,500 to $350,500+4.2%
Median home value$2,000,001 (2024)$2,638,000$1,915,000 to $3,634,000+4.7%

The median home would be worth 8.9 years of the median income in 2030, against 8.7 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Montecito

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Tiburon, CA$3,501$232,969Compare
Alamo, CA$3,501$250,001Compare
Blackhawk, CA$3,501$245,208Compare
Saratoga, CA$3,501$250,001Compare
Saratoga, CABlackhawk, CAAlamo, CATiburon, CAMontecito, CAMontecitoAlamoMontecitoAlamo

Places built like Montecito

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Montecito performs against places like it.

PlaceRent to incomeIncome growthPop. change
Montecito, CA18.2%7.7%/yrn/a
Solana Beach, CA25.3%7.1%/yr-2.6%Compare
Rio del Mar, CA25.6%8.9%/yrn/aCompare
Lucas Valley-Marinwood, CA20.9%7.8%/yrn/aCompare
Malibu, CA21.6%5.2%/yr-10.1%Compare
Fairfax, CA20.1%6.3%/yr-2.5%Compare
San Anselmo, CA19.3%6.3%/yr-2.1%Compare

Common questions

Is Montecito a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 95 out of 100, better than 95% of the places we rate and 2nd of 654 in California. On cost, space and class size it scores 43 out of 100 for families. See how it ranks with your own weights.

Is Montecito expensive to live in?

The median rent takes 18.2% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $2,000,001.

What salary do you need to live in Montecito?

To rent the median home without spending more than 30% of income on rent, a household needs about $140,040 a year. Work it out from your current city.

What places are similar to Montecito?

On income, rent, home value, education and age, the closest matches are Tiburon, CA, Alamo, CA, Blackhawk, CA and Saratoga, CA.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); home price to income (B25077, B19013).

What stands out compares Montecito with places of a similar size, using only figures measured for Montecito itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/montecito-california

Citytistics. “Montecito, California.” Data as of 2026-11-14. https://www.citytistics.com/city/montecito-california/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.