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City · 7,445 residents · Sonoma County, California

Sebastopol , California

In Sebastopol, a typical home is worth $845,700 and typical rent is $1,902 a month. Compared with all of Sonoma County, typical household income is 16% lower, typical rent is 12% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $845,700

    4% above the county

    15% above California

    • Sebastopol
    • Sonoma
    • California

  • Typical rent

    $1,902a month

    12% below the county

    7% below California

    • Sebastopol
    • Sonoma
    • California

  • Typical household income

    $87,684a year

    16% below the county

    12% below California

    • Sebastopol
    • Sonoma
    • California

  • Households that own their home

    56%

    6 points below the county

    About the same as California

    • Sebastopol
    • Sonoma
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$1,089,598
2.4% more than 12 months ago
Typical rent
$2,871 a month
4.2% more than 12 months ago

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

Sebastopol 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 Sebastopol apart

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

  1. Nearby, in Rohnert Park, the typical home value is $666,300: 21% less than in Sebastopol ($845,700).

  2. The typical household income in Sebastopol is $87,684, 16% less than in Sonoma County as a whole ($104,674).

  3. 56% of households in Sebastopol own their home, against 63% in Sonoma County.

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

The homes here

Housing in Sebastopol

What homes there are in Sebastopol, 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 Sebastopol, but it weighs less than in Sonoma County: 57% against 67%.

Year built

Homes in Sebastopol are older: the typical year built is 1975; in Sonoma County, 1979.

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

$2,552 a month

Sonoma County: $3,040 a month

Without a mortgage

$1,024 a month

Sonoma County: $927 a month

Owners with a mortgage

62%

Sonoma County: 66%

Owning costs less in Sebastopol: with a mortgage, the typical cost is $2,552 a month; in Sonoma County, $3,040. Without one, $1,024.

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, home values in Sebastopol rose at about the same pace as in Sonoma County: 32% against 34%.

Much as in Sonoma County, the typical rent in Sebastopol rose 35% since 2015–2019.

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

MeasureSebastopolSonoma CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.7%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate4.8%8.2%3.4%
People per household 2.202.492.842.53
Drive alone 58%69%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike 7%3%3%3%
Work from home 30%16%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Sebastopol has 2.20 people, fewer than in Sonoma County (2.49).

Many people here do not commute at all: 30% work from home; in Sonoma County, 16%.

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 Sebastopol?

A typical home costs more than the typical income allows

We start with a typical home in Sebastopol, worth $845,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 94% of the typical household income in Sebastopol, which is $87,684 a year. For that payment to be 28% of income, a household would need to earn about $293,057 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 Sebastopol. 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 $29,600 (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

$6,838

at 7.18% · 30 years

Loan amount
$830,382
Total interest
$1,194,725
Paid off in
November 2056

Includes $14,282 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,046 a month

  • Tight

    $2,046 to $2,631 a month

  • Hard

    more than $2,631 a month

    Your payment · 94%

Compared with the typical household income in Sebastopol ($87,684 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,838
Principal & interest$5,625
Property tax$486
Home insurance$352
FHA mortgage insurance (MIP)$374

You need at least $29,600 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

Sebastopol and Sonoma County

Sebastopol 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).

Sebastopol's own numbers

Typical home value
$845,700
Typical monthly rent
$1,902
Typical yearly household income
$87,684
Households that own their home
56%
Effective property tax rate
0.69%

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 Sebastopol

A typical home in Sebastopol is worth $845,700: 4% above the county and 15% above California. With the typical household income in Sebastopol ($87,684 a year), a typical home costs 9.6 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.

  • Sebastopol 9.6 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

Sebastopol 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
  • Sebastopol $845,700
  • Sonoma $815,500
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Sebastopol $1,902
  • Sonoma $2,158
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Sebastopol $87,684
  • Sonoma $104,674
  • California $99,122
  • United States $80,734
See the full table
Sebastopol next to Sonoma County and California
Measure Sebastopol Sonoma County California U.S.
Typical home value $845,700 $815,500 $734,700 $332,700
Typical monthly rent $1,902 $2,158 $2,036 $1,413
Typical yearly household income $87,684 $104,674 $99,122 $80,734
Households that own their home 56% 63% 56% 65%
Typical yearly property tax $5,868 $5,695 $5,124 $3,119
Effective property tax rate 0.69% 0.7% 0.7% 0.94%
Renters with high rent for their income 50% 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 Sebastopol

For a typical $845,700 home in Sebastopol, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sebastopol's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,838a month

    Least cash to close
    Down payment
    $29,600
    Cash to close
    $54,971
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $374

  • Conventional, 5% down $6,683a month

    Down payment
    $42,285
    Cash to close
    $67,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $402

  • Conventional, 20% down, no PMI $5,422a month

    Down payment
    $169,140
    Cash to close
    $194,511
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,204a month

    Down payment
    $126,855
    Cash to close
    $152,226
    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 Sebastopol and for Sonoma County.

Property tax

Effective rate in Sebastopol

0.69%of the home’s value each year

$5,868 a year for the typical owner in Sebastopol.

  • Sebastopol 0.69%
  • 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 Sebastopol

Typical rent in Sebastopol is $1,902 a month: 12% below the county. In Sebastopol, 50% 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 Sebastopol

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sebastopol is in ZIP code 95472.

For 2 bedrooms it is $2,640: $179 less than the fair market rent for Sonoma County ($2,819).

  • 95472 $2,640$3,660

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sebastopol 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 Sebastopol

HUD lists 4 buildings with rents for lower incomes in Sebastopol. These are the largest.

  • Burbank Heights 7777 Bodega Ave, Sebastopol 95472 138 homes, 67 low-income · For older adults (707) 823-1361
  • Burbank Orchards 7777 Bodega Ave, Sebastopol 95472 60 low-income homes · For older adults (707) 823-1361
  • Petaluma Avenue Homes 565 Petaluma Ave, Sebastopol 95472 45 homes, 44 low-income · 1 bd: 18 · 2 bd: 10 · 3 bd: 17 · In service since 2009 · For families
  • Bodega Hills Apts 121 W Hills Cir, Sebastopol 95472 24 low-income homes · In service since 1998 · For families

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

Free help

Help to buy or rent in Sebastopol

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Sebastopol

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

The HUD-approved agencies closest to the center of Sebastopol, 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 · 7 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

  • Community Housing Development Corporation of North Richmond

    1535 Fred Jackson Way Ste A, Richmond · 40 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 412-9290

Every agency in Sonoma County All counseling agencies in California

Help in Spanish near Sebastopol

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 Sebastopol

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

One other authority has an office in Sonoma County: see the list 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 Sebastopol, 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 Sebastopol.

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

Questions

Housing questions about Sebastopol

Short answers with the numbers for Sebastopol 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 Sebastopol?

The typical home value in Sebastopol is $845,700, 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 Sebastopol?

Typical rent in Sebastopol is $1,902 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 Sebastopol?

Sebastopol 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 Sebastopol?

The typical homeowner in Sebastopol pays $5,868 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Sonoma County, the rate is 0.7%.

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

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).