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Santa Maria, CA

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US location · verified

Neighborhood intelligence

Your Santa Maria relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Santa Maria.

Median rent

$1,925/mo

ACS 2024 5-year

HUD 2-bedroom FMR $3,106/mo

Median household income

$84,746

ACS 2024 5-year

Median home value

$531,700

ACS 2024 5-year

Safety score

50/100

FBI CDE

Weather

74°F (H 87° / L 62°)

Open-Meteo

Buying in Santa Maria? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

50/100

FBI CDE

Worth extra due diligence — 40% above average FBI data, 2023–2024

Average

Noise Level

38 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 74°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 61 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Santa Maria CA

Santa Maria has genuinely comfortable weather: 74°F average with 87°F highs. Combined with $1,925/month rent and 50/100 safety, it makes a strong case for the right mover.

Santa Maria has about 110,462 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Santa Maria CA Safe?

Santa Maria CA scores 50/100 on safety (well below average). Crime is about 40% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 140 (100 = avg); violent crime index 169; property crime index 111. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Santa Maria CA

School quality varies by neighborhood in Santa Maria. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Santa Maria CA

Typical rent in Santa Maria is about $1,925/month (on the high side). At $1,925/month for a typical unit, you need about $69,300+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $531,700.

Median household income is $84,746, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($84,746) clears the $69,300 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Santa Maria CA

Average temperature is about 74°F (highs near 87°F, lows near 62°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Santa Maria CA?

Who tends to thrive in Santa Maria: (1) Dual-income households (at $1,925/month, the rent math works much better with two salaries) (2) Tech and finance workers (the job market is real and local pay near $84,746 helps carry housing costs) (3) Households earning $69,300+ who can clear the 3× rent rule at $1,925/month (4) Movers with a locked job offer in Santa Maria who already priced rent and commute

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 50/100) (2) Single earners under $70k (the rent-to-income ratio is tight at $1,925/month) (3) Anyone stretching past 40% of take-home on housing at $1,925/month

Income sniff test: clear about $69,300 household income for $1,925/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Santa Maria scores 50/100 on safety with $1,925/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Santa Maria when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Santa Maria.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$3,616

Mortgage + tax + insurance + HOA

Annual property tax

$7,710

Annual est. $5,580

Est. monthly utilities

$833

Climate-adjusted electric, gas & water

Median home price

$531,700

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$478k
2022
$491k
2023
$504k
2024
$518k
2025
$532k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$1,691/mo vs buying
$1,925ACS 2024 5-year
Rent
$3,616
Buy

Mortgage

$2,689

Property tax

$642

Insurance

$190

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$7,056/yr

2024

1.37%

$7,267/yr

2025

1.41%

$7,485/yr

2026

1.45%

$7,710/yr

Buying in Santa Maria? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$2,279/yr

moderate exposure
Wind hazard index61 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 74°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $2,279.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Santa Maria to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo