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City · 6,034 residents · Santa Barbara County, California

Solvang , California

In Solvang, a typical home is worth $949,600 and typical rent is $1,666 a month. Compared with all of Santa Barbara County, typical rent is 22% lower and the typical home value is 20% higher.

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  • Typical home value

    $949,600

    20% above the county

    29% above California

    • Solvang
    • Santa Barbara
    • California

  • Typical rent

    $1,666a month

    22% below the county

    18% below California

    • Solvang
    • Santa Barbara
    • California

  • Typical household income

    $109,091a year

    11% above the county

    10% above California

    • Solvang
    • Santa Barbara
    • California

  • Households that own their home

    57%

    5 points above the county

    1 points above California

    • Solvang
    • Santa Barbara
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,407,704
8% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Solvang 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Solvang apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Lompoc, the typical home value is $472,900: 50% less than in Solvang ($949,600).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Solvang rose 8%; in California, it rose 0.6%.

  3. The typical rent in Solvang is $1,666 a month, 22% less than in Santa Barbara County as a whole ($2,131).

  4. The typical home in Solvang is worth $949,600, 20% more than in Santa Barbara County as a whole ($790,700).

  5. Solvang has the 51st smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (43%).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Solvang

What homes there are in Solvang, 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

Homes in Solvang are varied: detached houses are the largest group, at 47%, against 56% in Santa Barbara County.

Mobile homes are 10% of homes in Solvang, more than in Santa Barbara County (5%).

Year built

Homes in Solvang are newer: the typical year built is 1982; in Santa Barbara County, 1974.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,836 a month

Santa Barbara County: $2,973 a month

Without a mortgage

$1,249 a month

Santa Barbara County: $831 a month

Owners with a mortgage

54%

Santa Barbara County: 63%

In Solvang, 54% of owners have a mortgage, and their typical cost is $3,836 a month, against $2,973 in Santa Barbara County. Without one it drops to $1,249.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Solvang rose 30%; in Santa Barbara County, it rose 37%.

The typical rent in Solvang stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSolvangSanta Barbara CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.3%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 5.2%9.7%8.2%3.4%
People per household 2.162.812.842.53
Drive alone 67%65%66%69%
Carpool Unreliable estimate12%10%9%
Public transit Unreliable estimate2%3%3%
Walk or bike Unreliable estimate6%3%3%
Work from home 16%13%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 5.2% of households in Solvang live, less than in Santa Barbara County (9.7%).

Households in Solvang are smaller: 2.16 people on average; in Santa Barbara County, 2.81.

To get to work, 67% of workers in Solvang drive alone; in Santa Barbara County, 65%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Solvang?

A typical home costs more than the typical income allows

We start with a typical home in Solvang, worth $949,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 87% of the typical household income in Solvang, which is $109,091 a year. For that payment to be 28% of income, a household would need to earn about $337,302 a year.

The calculator's FHA and conventional loan limits are those of all of Santa Barbara County.

Your numbers

Local data
$

Starts at the typical home value in Solvang. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $33,236 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$7,870

at 7.18% · 30 years

Loan amount
$932,400
Total interest
$1,341,505
Paid off in
November 2056

Includes $16,036 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,545 a month

  • Tight

    $2,545 to $3,273 a month

  • Hard

    more than $3,273 a month

    Your payment · 87%

Compared with the typical household income in Solvang ($109,091 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,870
Principal & interest$6,316
Property tax$586
Home insurance$396
FHA mortgage insurance (MIP)$573

You need at least $33,236 for the down payment, plus closing costs.

Next step

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.

The city and its county

Solvang and Santa Barbara County

Solvang 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).

Solvang's own numbers

Typical home value
$949,600
Typical monthly rent
$1,666
Typical yearly household income
$109,091
Households that own their home
57%
Effective property tax rate
0.74%

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.

Everything about Santa Barbara County

Buying

Buying a home in Solvang

A typical home in Solvang is worth $949,600: 20% above the county and 29% above California. With the typical household income in Solvang ($109,091 a year), a typical home costs 8.7 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.

  • Solvang 8.7 years
  • Santa Barbara 8.1 years
  • California 7.4 years
  • United States 4.1 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.

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

Solvang 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
  • Solvang $949,600
  • Santa Barbara $790,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Solvang $1,666
  • Santa Barbara $2,131
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Solvang $109,091
  • Santa Barbara $98,161
  • California $99,122
  • United States $80,734
See the full table
Solvang next to Santa Barbara County and California
Measure Solvang Santa Barbara County California U.S.
Typical home value $949,600 $790,700 $734,700 $332,700
Typical monthly rent $1,666 $2,131 $2,036 $1,413
Typical yearly household income $109,091 $98,161 $99,122 $80,734
Households that own their home 57% 52% 56% 65%
Typical yearly property tax $6,987 $5,103 $5,124 $3,119
Effective property tax rate 0.74% 0.65% 0.7% 0.94%
Renters with high rent for their income 43% 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 Solvang

For a typical $949,600 home in Solvang, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Solvang's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,870a month

    Least cash to close
    Down payment
    $33,236
    Cash to close
    $61,724
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $573

  • Conventional, 5% down $7,544a month

    Down payment
    $47,480
    Cash to close
    $75,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $451

  • Conventional, 20% down, no PMI $6,128a month

    Down payment
    $189,920
    Cash to close
    $218,408
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,006a month

    Down payment
    $142,440
    Cash to close
    $170,928
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Solvang and for Santa Barbara County.

Property tax

Effective rate in Solvang

0.74%of the home’s value each year

$6,987 a year for the typical owner in Solvang.

  • Solvang 0.74%
  • Santa Barbara 0.65%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Santa Barbara County

FEMA does not publish these numbers by city: they are for all of Santa Barbara County.

Homes in the high-risk zone
3.6%
4,422
Of those, with NFIP insurance
27%
County California U.S.
Homes in the high-risk zone 3.6% 2.8% 3.5%
Of those, with NFIP insurance 27% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Solvang

Typical rent in Solvang is $1,666 a month: 22% below the county. In Solvang, 43% 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.

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 Solvang

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Solvang is in ZIP code 93463.

For 2 bedrooms it is $2,820: $286 less than the fair market rent for Santa Barbara County ($3,106).

  • 93463 $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 Solvang 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Solvang

HUD lists one building with rents for lower incomes in Solvang.

  • Solvang Senior Apartments 1758 Laurel Ave, Solvang 93463 45 homes, 44 low-income · 1 bd: 41 · 2 bd: 4 · In service since 2016 · For older adults

See all 85 buildings in Santa Barbara County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Solvang

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Solvang

No down payment, repair or rent-help program on our list is for Solvang or Santa Barbara County. The ones below are statewide in California: they work in Solvang the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near Solvang

The HUD-approved agencies closest to the center of Solvang, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • My Way Home

    2231 Sturgis Rd Unit A, Oxnard · 63 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (805) 273-7800

  • Centro Familia Esperanza

    1720 E Los Angeles Ave Ste 216, Simi Valley · 81 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (805) 813-8751

  • Money Management International, Los Angeles

    6080 Center Dr Fl 6, Los Angeles · 109 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 232-9080

All counseling agencies in California

Help in Spanish near Solvang

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Solvang

HUD’s record names them for Solvang or Santa Barbara County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Santa Barbara Public housing and Section 8 vouchers (805) 736-3423

One other authority has an office in Santa Barbara County: see the list Source: HUD

Cities

Other cities in Santa Barbara County

These cities are also in Santa Barbara County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Santa Barbara County Housing in California
See 1 more city in Santa Barbara County, with its price and rent

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Solvang, with the typical home value.

Neighboring counties

If Santa Barbara County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Solvang.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Solvang

Short answers with the numbers for Solvang 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 Solvang?

The typical home value in Solvang is $949,600, 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 Solvang?

Typical rent in Solvang is $1,666 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 Solvang?

Solvang 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 Solvang?

The typical homeowner in Solvang pays $6,987 a year, according to the U.S. Census Bureau. That is 0.74% 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 Solvang?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).