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City · 177,090 residents · Sonoma County, California

Santa Rosa , California

In Santa Rosa, a typical home is worth $713,900 and typical rent is $2,152 a month. Compared with all of Sonoma County, the typical home value is 12% lower, typical household income is 5% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $713,900

    12% below the county

    3% below California

    • Santa Rosa
    • Sonoma
    • California

  • Typical rent

    $2,152a month

    About the same as the county

    6% above California

    • Santa Rosa
    • Sonoma
    • California

  • Typical household income

    $99,060a year

    5% below the county

    About the same as California

    • Santa Rosa
    • Sonoma
    • California

  • Households that own their home

    57%

    6 points below the county

    1 points above California

    • Santa Rosa
    • Sonoma
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$708,056
0.5% more than 12 months ago
Typical rent
$2,582 a month
3.1% more than 12 months ago

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

Santa Rosa is in Sonoma County. The FHA loan limit ($897,000 for a one-unit home), the fair market rents and the help on this page are those of all of Sonoma County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Santa Rosa apart

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

  1. 57% of households in Santa Rosa own their home, against 63% in Sonoma County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Santa Rosa

What homes there are in Santa Rosa, 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

The detached house is still the most common home in Santa Rosa, but it weighs less than in Sonoma County: 58% against 67%.

Year built

By age, homes in Santa Rosa look like those in Sonoma County: the typical year built is 1980.

There are fewer big homes in Santa Rosa than in Sonoma County: 53% have 3 bedrooms or more, against 56%.

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

The FHA loan limit for Sonoma County is $897,000, and about 73% of owner-occupied homes in Santa Rosa are worth less than that.

Monthly rent with utilities

About 78% of rented homes in Santa Rosa cost less than HUD's 2-bedroom fair market rent for Sonoma County ($2,819).

With a mortgage

$2,894 a month

Sonoma County: $3,040 a month

Without a mortgage

$854 a month

Sonoma County: $927 a month

Owners with a mortgage

68%

Sonoma County: 66%

The typical cost for an owner with a mortgage in Santa Rosa is $2,894 a month, near the figure in Sonoma County ($3,040).

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

The typical home value in Santa Rosa rose 32% since 2015–2019, about the same as in Sonoma County (34%).

The typical rent in Santa Rosa rose 34% since 2015–2019, about the same as in Sonoma County (33%).

While home values in Santa Rosa changed +32% and rent +34%, the typical household income rose 31%.

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

MeasureSanta RosaSonoma CountyCaliforniaUnited States
Rental vacancy 2.1%2.7%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 5.8%4.8%8.2%3.4%
People per household 2.532.492.842.53
Drive alone 71%69%66%69%
Carpool 11%9%10%9%
Public transit 1%1%3%3%
Walk or bike 3%3%3%3%
Work from home 12%16%17%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Santa Rosa look like those in Sonoma County: the rental vacancy rate is 2.1%.

In Santa Rosa, 5.8% of households live with more than one person per room, against 4.8% in Sonoma County.

A household in Santa Rosa has 2.53 people on average, about the same as in Sonoma County (2.49).

The car rules in Santa Rosa: 71% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Santa Rosa?

A typical home costs more than the typical income allows

We start with a typical home in Santa Rosa, worth $713,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 70% of the typical household income in Santa Rosa, which is $99,060 a year. For that payment to be 28% of income, a household would need to earn about $247,640 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Santa Rosa. 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 $24,987 (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

$5,778

at 7.18% · 30 years

Loan amount
$700,969
Total interest
$1,008,530
Paid off in
November 2056

Includes $12,056 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,311 a month

  • Tight

    $2,311 to $2,972 a month

  • Hard

    more than $2,972 a month

    Your payment · 70%

Compared with the typical household income in Santa Rosa ($99,060 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,778
Principal & interest$4,749
Property tax$416
Home insurance$298
FHA mortgage insurance (MIP)$316

You need at least $24,987 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

Santa Rosa and Sonoma County

Santa Rosa is in Sonoma 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).

Santa Rosa's own numbers

Typical home value
$713,900
Typical monthly rent
$2,152
Typical yearly household income
$99,060
Households that own their home
57%
Effective property tax rate
0.7%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Sonoma County

FHA limit, one-unit home
$897,000
Conventional limit, one unit
$897,000
HUD fair market rent, 2 bedrooms
$2,819
Price change over 5 years (FHFA)
+25%
Homes in a high flood-risk zone
2.4%

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 Sonoma County.

Everything about Sonoma County

Buying

Buying a home in Santa Rosa

A typical home in Santa Rosa is worth $713,900: 12% below the county and 3% below California. With the typical household income in Santa Rosa ($99,060 a year), a typical home costs 7.2 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.

  • Santa Rosa 7.2 years
  • Sonoma 7.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sonoma County

According to FHFA’s house price index, home prices in Sonoma County rose 60% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Sonoma County.

Period County California U.S.
Last year (2025) +0.5% +0.8% +2.9%
5 years (2020–2025) +25% +40% +47%
10 years (2015–2025) +60% +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

Santa Rosa next to Sonoma 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
  • Santa Rosa $713,900
  • Sonoma $815,500
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Santa Rosa $2,152
  • Sonoma $2,158
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Santa Rosa $99,060
  • Sonoma $104,674
  • California $99,122
  • United States $80,734
See the full table
Santa Rosa next to Sonoma County and California
Measure Santa Rosa Sonoma County California U.S.
Typical home value $713,900 $815,500 $734,700 $332,700
Typical monthly rent $2,152 $2,158 $2,036 $1,413
Typical yearly household income $99,060 $104,674 $99,122 $80,734
Households that own their home 57% 63% 56% 65%
Typical yearly property tax $5,019 $5,695 $5,124 $3,119
Effective property tax rate 0.7% 0.7% 0.7% 0.94%
Renters with high rent for their income 55% 55% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sonoma 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 Santa Rosa

For a typical $713,900 home in Santa Rosa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Santa Rosa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,778a month

    Least cash to close
    Down payment
    $24,987
    Cash to close
    $46,404
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $316

  • Conventional, 5% down $5,647a month

    Down payment
    $35,695
    Cash to close
    $57,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $339

  • Conventional, 20% down, no PMI $4,583a month

    Down payment
    $142,780
    Cash to close
    $164,197
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,243a month

    Down payment
    $107,085
    Cash to close
    $128,502
    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 Santa Rosa and for Sonoma County.

Property tax

Effective rate in Santa Rosa

0.7%of the home’s value each year

$5,019 a year for the typical owner in Santa Rosa.

  • Santa Rosa 0.7%
  • Sonoma 0.7%
  • California 0.7%

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

Exemptions and deadlines in California

Flood risk in Sonoma County

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

Homes in the high-risk zone
2.4%
3,971
Of those, with NFIP insurance
31%
County California U.S.
Homes in the high-risk zone 2.4% 2.8% 3.5%
Of those, with NFIP insurance 31% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Santa Rosa

Typical rent in Santa Rosa is $2,152 a month: about the same as the county. In Santa Rosa, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sonoma County, by unit size. To pay the 2-bedroom one ($2,819 a month) without spending more than 30% of your income, you would need to earn $54.21 an hour working full time.

HUD fair market rent for all of Sonoma 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 $1,980 $38.08 $79,200
1 bedroom $2,155 $41.44 $86,200
2 bedrooms $2,819 $54.21 $112,760
3 bedrooms $3,903 $75.06 $156,120
4 bedrooms $4,295 $82.60 $171,800

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 Santa Rosa

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Santa Rosa has 5 ZIP codes with their own.

For 2 bedrooms it runs from $2,590 in 95407 to $3,150 in 95409.

3 of the 5 are above the fair market rent for Sonoma County ($2,819).

  • 95403 $2,980$4,130
  • 95404 $2,780$3,850
  • 95405 $3,090$4,280
  • 95407 $2,590$3,590
  • 95409 $3,150$4,360

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Santa Rosa 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 Santa Rosa

HUD lists 50 buildings with rents for lower incomes in Santa Rosa. These are the largest.

  • Del Nido Apts 850 Russell Ave, Santa Rosa 95403 206 homes, 205 low-income · Studio: 58 · 1 bd: 148 · In service since 1998 (707) 542-2883
  • Quail Run 1018 Bellevue Ave, Santa Rosa 95407 200 homes, 199 low-income · 1 bd: 48 · 2 bd: 64 · 3 bd: 76 · 4 bd: 12 · In service since 1999 · For families (707) 568-3455
  • Vista Sonoma Senior Living Apts 1401 Townview Ave, Santa Rosa 95405 189 low-income homes · 1 bd: 118 · 2 bd: 71 · In service since 2000 · For older adults
  • Bethlehem Tower Affordable 801 Tupper St, Santa Rosa 95404 159 homes, 158 low-income · Studio: 107 · 1 bd: 51 · 2 bd: 1 · In service since 2013 · For older adults (707) 544-5560
  • Silvercrest Residence- Santa Rosa 1050 3rd St, Santa Rosa 95404 186 homes, 144 low-income · For older adults (707) 544-6766

See all 111 buildings in Sonoma County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Santa Rosa

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.

There is 1 HUD-approved agency with an office in Sonoma County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Santa Rosa

No down payment, repair or rent-help program on our list is for Santa Rosa or Sonoma County. The ones below are statewide in California: they work in Santa Rosa 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 Santa Rosa

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

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 38 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

Every agency in Sonoma County All counseling agencies in California

Help in Spanish near Santa Rosa

1 of the 3 agencies on this list says it serves 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 Santa Rosa

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

All housing agencies in California Source: HUD

Cities

Other cities in Sonoma County

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

Everything about Sonoma County Housing in California

Nearby cities

The cities closest to Santa Rosa, with the typical home value.

Neighboring counties

If Sonoma 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 Santa Rosa.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Santa Rosa

Short answers with the numbers for Santa Rosa and all of Sonoma 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 Santa Rosa?

The typical home value in Santa Rosa is $713,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sonoma County it is $815,500.

How much does it cost to rent in Santa Rosa?

Typical rent in Santa Rosa is $2,152 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sonoma County is $2,819.

What is the FHA loan limit in Santa Rosa?

Santa Rosa uses the FHA limit for all of Sonoma County (2026): $897,000 for a one-unit home and $1,725,050 for a four-unit home.

How much property tax do owners pay in Santa Rosa?

The typical homeowner in Santa Rosa pays $5,019 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Sonoma County, the rate is 0.7%.

Where can I find free help to buy or rent in Santa Rosa?

There is 1 HUD-approved counseling agency with an office in Sonoma County. 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).