City · 43,646 residents · Santa Barbara County, California
Lompoc, California
In Lompoc, a typical home is worth $472,900 and typical rent is $1,589 a month. Compared with all of Santa Barbara County, the typical home value is 40% lower and typical household income is 27% lower.
Typical home value from Zillow, September 2021 to September 2026: from $469,126 to $592,450.
Typical rent
$2,126a month
▲ 3.1% more than 12 months ago
Typical rent from Zillow, September 2022 to September 2026: from $1,842 to $2,126.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lompoc is in Santa Barbara County. The FHA loan limit ($941,850 for a one-unit home), the fair market rents and the help on this page are those of all of Santa Barbara County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Lompoc is worth $472,900,40% less than in Santa Barbara County as a whole ($790,700).
2
The typical household income in Lompoc is $72,004,27% less than in Santa Barbara County as a whole ($98,161).
3
The typical rent in Lompoc is $1,589 a month, 25% less than in Santa Barbara County as a whole ($2,131).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lompoc
What homes there are in Lompoc, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Lompoc
Santa Barbara County
California
United States
Kind of home: Lompoc and its comparisons
Measure
Lompoc
Santa Barbara County
California
United States
Detached house
52%
56%
57%
61%
Attached house
8%
8%
7%
6%
Building of 2 to 4
13%
9%
8%
8%
Apartments (5 or more)
21%
22%
24%
19%
Mobile home
6%
5%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Lompoc, but it weighs less than in Santa Barbara County: 52% against 56%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Lompoc
Santa Barbara County
California
United States
Year built: Lompoc and its comparisons
Measure
Lompoc
Santa Barbara County
California
United States
Before 1960
17%
23%
27%
26%
1960–1979
41%
38%
29%
24%
1980–1999
32%
24%
25%
25%
2000–2009
7%
9%
11%
14%
2010 or later
4%
7%
8%
11%
By age, homes in Lompoc look like those in Santa Barbara County: the typical year built is 1976.
Much as in Santa Barbara County, 54% of homes in Lompoc have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K10%
$100K–$200K5%
$200K–$300K4%
$300K–$500K39%
$500K–$750K38%
$750K–$1M3%
FHA limit: $941,850
$1M or moreUnreliable
Value of owner-occupied homes: Lompoc and its comparisons
Measure
Lompoc
Under $100K
10%
$100K–$200K
5%
$200K–$300K
4%
$300K–$500K
39%
$500K–$750K
38%
$750K–$1M
3%
$1M or more
Unreliable estimate
By price, most homes in Lompoc sit under the FHA limit for Santa Barbara County ($941,850): about 98%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99910%
$1,000–$1,49929%
$1,500–$1,99933%
$2,000–$2,49914%
$2,500–$2,9996%
$3,000 or moreUnreliable
Monthly rent with utilities: Lompoc and its comparisons
Measure
Lompoc
Under $500
Unreliable estimate
$500–$999
10%
$1,000–$1,499
29%
$1,500–$1,999
33%
$2,000–$2,499
14%
$2,500–$2,999
6%
$3,000 or more
Unreliable estimate
With a mortgage
$2,213 a month
Santa Barbara County: $2,973 a month
Without a mortgage
$608 a month
Santa Barbara County: $831 a month
Owners with a mortgage
60%
Santa Barbara County: 63%
In Lompoc, 60% of owners have a mortgage, and their typical cost is $2,213 a month, against $2,973 in Santa Barbara County. Without one it drops to $608.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lompoc+50%
Santa Barbara County+37%
California+46%
United States+53%
Typical rent
Lompoc+33%
Santa Barbara County+30%
California+36%
United States+33%
Typical household income
Lompoc+31%
Santa Barbara County+32%
California+32%
United States+29%
Change since 2015–2019: Lompoc and its comparisons
Measure
Lompoc
Santa Barbara County
California
United States
Typical home value
+50%
+37%
+46%
+53%
Typical rent
+33%
+30%
+36%
+33%
Typical household income
+31%
+32%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Lompoc rose 50%; in Santa Barbara County, it rose 37%.
The typical rent in Lompoc rose 33% over the same time; in Santa Barbara County, it rose 30%.
The typical household income in Lompoc rose 31% over that time; home values changed +50% and rent +33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lompoc and its comparisons
Measure
Lompoc
Santa Barbara County
California
United States
Rental vacancy
4.2%
3.3%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
9.6%
9.7%
8.2%
3.4%
People per household
2.86
2.81
2.84
2.53
Drive alone
67%
65%
66%
69%
Carpool
17%
12%
10%
9%
Public transit
4%
2%
3%
3%
Walk or bike
4%
6%
3%
3%
Work from home
7%
13%
17%
15%
Other means
1%
2%
2%
2%
Typical commute
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
In Lompoc, the rental vacancy rate is 4.2%, about the same as in Santa Barbara County.
Much as in Santa Barbara County, 9.6% of households in Lompoc have more than one person per room.
Much as in Santa Barbara County, a household in Lompoc has 2.86 people on average.
Carpooling is common in Lompoc: 17% of workers get to work that way, against 12% in Santa Barbara County.
Do the math
What would you pay each month for a home in Lompoc?
A typical home costs more than the typical income allows
We start with a typical home in Lompoc, worth $472,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 63% of the typical household income in Lompoc, which is $72,004 a year. For that payment to be 28% of income, a household would need to earn about $162,014 a year.
The calculator's FHA and conventional loan limits are those of all of Santa Barbara County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Lompoc. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,552 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,780
at 7.18% · 30 years
Loan amount
$464,334
Total interest
$668,068
Paid off in
November 2056
Includes $7,986 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,680 a month
Tight
$1,680 to $2,160 a month
Hard
more than $2,160 a month
Your payment · 63%
Compared with the typical household income in Lompoc ($72,004 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,146
Property tax
$229
Home insurance
$197
FHA mortgage insurance (MIP)
$209
You need at least $16,552 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,780; principal and interest $3,146.
The city and its county
Lompoc and Santa Barbara County
Lompoc is in Santa Barbara County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Lompoc
Map of Santa Barbara County, California, with Lompoc marked. Around it, the neighboring counties.
Lompoc
Santa Barbara County
Other cities with a page
Lompoc's own numbers
Typical home value
$472,900
Typical monthly rent
$1,589
Typical yearly household income
$72,004
Households that own their home
49%
Effective property tax rate
0.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Santa Barbara County
FHA limit, one-unit home
$941,850
Conventional limit, one unit
$941,850
HUD fair market rent, 2 bedrooms
$3,106
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
3.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Santa Barbara County.
A typical home in Lompoc is worth $472,900: 40% below the county and 36% below California. With the typical household income in Lompoc ($72,004 a year), a typical home costs 6.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Lompoc6.6 years
Santa Barbara8.1 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Santa Barbara County
According to FHFA’s house price index, home prices in Santa Barbara County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Santa Barbara County.
Yearly change in FHFA’s price index in Santa Barbara County, 2016 to 2025
2016: +6.6% +6.6% 2016
2017: +3.7% +3.7% 2017
2018: +3.9% +3.9% 2018
2019: +2.8% +2.8% 2019
2020: +1.8% +1.8% 2020
2021: +12.1% +12.1% 2021
2022: +19.4% +19.4% 2022
2023: +6.9% +6.9% 2023
2024: +5.8% +5.8% 2024
2025: +3.3% +3.3% 2025
Change in FHFA’s price index in Santa Barbara County, California and the United States
Period
County
California
U.S.
Last year (2025)
+3.3%
+0.8%
+2.9%
5 years (2020–2025)
+56%
+40%
+47%
10 years (2015–2025)
+88%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Lompoc next to Santa Barbara County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Lompoc$472,900
Santa Barbara$790,700
California$734,700
United States$332,700
Typical monthly rent
Lompoc$1,589
Santa Barbara$2,131
California$2,036
United States$1,413
Typical yearly household income
Lompoc$72,004
Santa Barbara$98,161
California$99,122
United States$80,734
See the full table
Lompoc next to Santa Barbara County and California
Measure
Lompoc
Santa Barbara County
California
U.S.
Typical home value
$472,900 ▼40% below the county
$790,700
$734,700
$332,700
Typical monthly rent
$1,589 ▼25% below the county
$2,131
$2,036
$1,413
Typical yearly household income
$72,004 ▼27% below the county
$98,161
$99,122
$80,734
Households that own their home
49% ▼3 points below the county
52%
56%
65%
Typical yearly property tax
$2,737 ▼46% below the county
$5,103
$5,124
$3,119
Effective property tax rate
0.58% ▼0.07 points below the county
0.65%
0.7%
0.94%
Renters with high rent for their income
54% ▼4 points below the county
58%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Santa Barbara County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Lompoc
For a typical $472,900 home in Lompoc, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lompoc's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,780a month
Least cash to close
Down payment
$16,552
Cash to close
$30,739
Rate
7.18%
Mortgage insurance
FHA MIP · $209
Conventional, 5% down$3,694a month
Down payment
$23,645
Cash to close
$37,832
Rate
7.18%
Mortgage insurance
PMI · $225
Conventional, 20% down, no PMI$2,988a month
Down payment
$94,580
Cash to close
$108,767
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,426a month
Down payment
$70,935
Cash to close
$85,122
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lompoc
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,780
$16,552
$464,335
7.18%
FHA MIP · $209
$30,739
580
Conventional, 5% down
$3,694
$23,645
$449,255
7.18%
PMI · $225
$37,832
620*
Conventional, 20% down, no PMI
$2,988
$94,580
$378,320
7.18%
None
$108,767
620*
ITIN, 15% down (example)
$3,426
$70,935
$401,965
8.18%
None
$85,122
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Lompoc is $1,589 a month: 25% below the county. In Lompoc, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Santa Barbara County, by unit size. To pay the 2-bedroom one ($3,106 a month) without spending more than 30% of your income, you would need to earn $59.73 an hour working full time.
HUD fair market rent for all of Santa Barbara County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Santa Barbara County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$2,479
$47.67
$99,160
1 bedroom
$2,711
$52.13
$108,440
2 bedrooms
$3,106
$59.73
$124,240
3 bedrooms
$3,990
$76.73
$159,600
4 bedrooms
$4,557
$87.63
$182,280
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Lompoc
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lompoc is in ZIP code 93436.
For 2 bedrooms it is $2,820: $286 less than the fair market rent for Santa Barbara County ($3,106).
Fair market rent by ZIP code and size in Lompoc, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
93436
$2,220
$2,480
$2,820
$3,670
$4,190
ZIP code2 bd3 bd
93436 $2,820$3,670
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lompoc when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Santa Barbara County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Lompoc or Santa Barbara County. The ones below are statewide in California: they work in Lompoc the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Lompoc or Santa Barbara County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Lompoc and all of Santa Barbara County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Lompoc?
The typical home value in Lompoc is $472,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Barbara County it is $790,700.
How much does it cost to rent in Lompoc?
Typical rent in Lompoc is $1,589 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Santa Barbara County is $3,106.
What is the FHA loan limit in Lompoc?
Lompoc uses the FHA limit for all of Santa Barbara County (2026): $941,850 for a one-unit home and $1,811,300 for a four-unit home.
How much property tax do owners pay in Lompoc?
The typical homeowner in Lompoc pays $2,737 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Santa Barbara County, the rate is 0.65%.
Where can I find free help to buy or rent in Lompoc?
We found no HUD-approved counseling agencies with an office in Santa Barbara County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
