City · 26,081 residents · Sonoma County, California
Windsor, California
In Windsor, a typical home is worth $801,100 and typical rent is $2,433 a month. Compared with all of Sonoma County, typical household income is 28% higher, typical rent is 13% higher, and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $764,189 to $794,051.
Typical rent
$3,528a month
Typical rent from Zillow, December 2025 to September 2026: from $3,448 to $3,528.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Windsor 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Calistoga, the typical rent is $1,767: 27% less than in Windsor ($2,433).
2
The typical household income in Windsor is $133,979,28% more than in Sonoma County as a whole ($104,674).
3
76% of households in Windsor own their home, against 63% in Sonoma County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Windsor
What homes there are in Windsor, 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
Windsor
Sonoma County
California
United States
Kind of home: Windsor and its comparisons
Measure
Windsor
Sonoma County
California
United States
Detached house
77%
67%
57%
61%
Attached house
6%
8%
7%
6%
Building of 2 to 4
5%
7%
8%
8%
Apartments (5 or more)
8%
14%
24%
19%
Mobile home
5%
5%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Windsor, 8 in 10 homes are single-family detached houses; in Sonoma County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Windsor
Sonoma County
California
United States
Year built: Windsor and its comparisons
Measure
Windsor
Sonoma County
California
United States
Before 1960
3%
20%
27%
26%
1960–1979
11%
32%
29%
24%
1980–1999
62%
30%
25%
25%
2000–2009
22%
10%
11%
14%
2010 or later
2%
7%
8%
11%
Homes in Windsor are newer: the typical year built is 1993; in Sonoma County, 1979.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K4%
$100K–$200K3%
$200K–$300KUnreliable
$300K–$500K6%
$500K–$750K27%
$750K–$1M43%
$1M or more16%
Value of owner-occupied homes: Windsor and its comparisons
Measure
Windsor
Under $100K
4%
$100K–$200K
3%
$200K–$300K
Unreliable estimate
$300K–$500K
6%
$500K–$750K
27%
$750K–$1M
43%
$1M or more
16%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49921%
$1,500–$1,99913%
$2,000–$2,499Unreliable
$2,500–$2,99910%
$3,000 or more39%
Monthly rent with utilities: Windsor and its comparisons
Measure
Windsor
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
21%
$1,500–$1,999
13%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
10%
$3,000 or more
39%
With a mortgage
$3,136 a month
Sonoma County: $3,040 a month
Without a mortgage
$941 a month
Sonoma County: $927 a month
Owners with a mortgage
70%
Sonoma County: 66%
The typical cost for an owner with a mortgage in Windsor is $3,136 a month, near the figure in Sonoma County ($3,040).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Windsor+34%
Sonoma County+34%
California+46%
United States+53%
Typical rent
WindsorNo clear change
Sonoma County+33%
California+36%
United States+33%
Typical household income
Windsor+25%
Sonoma County+29%
California+32%
United States+29%
Change since 2015–2019: Windsor and its comparisons
Measure
Windsor
Sonoma County
California
United States
Typical home value
+34%
+34%
+46%
+53%
Typical rent
No clear change
+33%
+36%
+33%
Typical household income
+25%
+29%
+32%
+29%
The typical home value in Windsor rose 34% since 2015–2019, about the same as in Sonoma County (34%).
Rent in Windsor moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Windsor and its comparisons
Measure
Windsor
Sonoma County
California
United States
Rental vacancy
Unreliable estimate
2.7%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
4.8%
8.2%
3.4%
People per household
2.82
2.49
2.84
2.53
Drive alone
78%
69%
66%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
12%
16%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.82 on average, against 2.49 in Sonoma County.
To get to work, 78% of workers in Windsor drive alone; in Sonoma County, 69%.
Do the math
What would you pay each month for a home in Windsor?
A typical home costs more than the typical income allows
We start with a typical home in Windsor, worth $801,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Windsor, which is $133,979 a year. For that payment to be 28% of income, a household would need to earn about $280,463 a year.
The calculator's FHA and conventional loan limits are those of all of Sonoma 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 Windsor. 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 $28,039 (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
$6,544
at 7.18% · 30 years
Loan amount
$786,590
Total interest
$1,131,718
Paid off in
November 2056
Includes $13,529 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,126 a month
Tight
$3,126 to $4,019 a month
Hard
more than $4,019 a month
Your payment · 59%
Compared with the typical household income in Windsor ($133,979 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,329
Property tax
$527
Home insurance
$334
FHA mortgage insurance (MIP)
$354
You need at least $28,039 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 $6,544; principal and interest $5,329.
The city and its county
Windsor and Sonoma County
Windsor 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).
Windsor
Map of Sonoma County, California, with Windsor marked. Around it, the neighboring counties.
Windsor
Sonoma County
Other cities with a page
Windsor's own numbers
Typical home value
$801,100
Typical monthly rent
$2,433
Typical yearly household income
$133,979
Households that own their home
76%
Effective property tax rate
0.79%
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.
A typical home in Windsor is worth $801,100: about the same as the county and 9% above California. With the typical household income in Windsor ($133,979 a year), a typical home costs 6.0 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.
Windsor6.0 years
Sonoma7.8 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Sonoma County, 2016 to 2025
2016: +9.0% +9.0% 2016
2017: +7.7% +7.7% 2017
2018: +8.6% +8.6% 2018
2019: +0.1% +0.1% 2019
2020: +0.2% +0.2% 2020
2021: +8.4% +8.4% 2021
2022: +10.5% +10.5% 2022
2023: +1.6% +1.6% 2023
2024: +2.4% +2.4% 2024
2025: +0.5% +0.5% 2025
Change in FHFA’s price index in Sonoma County, California and the United States
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
Windsor 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
Windsor$801,100
Sonoma$815,500
California$734,700
United States$332,700
Typical monthly rent
Windsor$2,433
Sonoma$2,158
California$2,036
United States$1,413
Typical yearly household income
Windsor$133,979
Sonoma$104,674
California$99,122
United States$80,734
See the full table
Windsor next to Sonoma County and California
Measure
Windsor
Sonoma County
California
U.S.
Typical home value
$801,100
$815,500
$734,700
$332,700
Typical monthly rent
$2,433 ▲13% above the county
$2,158
$2,036
$1,413
Typical yearly household income
$133,979 ▲28% above the county
$104,674
$99,122
$80,734
Households that own their home
76% ▲13 points above the county
63%
56%
65%
Typical yearly property tax
$6,361 ▲12% above the county
$5,695
$5,124
$3,119
Effective property tax rate
0.79% ▲0.09 points above the county
0.7%
0.7%
0.94%
Renters with high rent for their income
58% ▲3 points above the county
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 Windsor
For a typical $801,100 home in Windsor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Windsor's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,544a month
Least cash to close
Down payment
$28,039
Cash to close
$52,072
Rate
7.18%
Mortgage insurance
FHA MIP · $354
Conventional, 5% down$6,397a month
Down payment
$40,055
Cash to close
$64,088
Rate
7.18%
Mortgage insurance
PMI · $381
Conventional, 20% down, no PMI$5,203a month
Down payment
$160,220
Cash to close
$184,253
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,943a month
Down payment
$120,165
Cash to close
$144,198
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Windsor
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,544
$28,039
$786,590
7.18%
FHA MIP · $354
$52,072
580
Conventional, 5% down
$6,397
$40,055
$761,045
7.18%
PMI · $381
$64,088
620*
Conventional, 20% down, no PMI
$5,203
$160,220
$640,880
7.18%
None
$184,253
620*
ITIN, 15% down (example)
$5,943
$120,165
$680,935
8.18%
None
$144,198
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 Windsor is $2,433 a month: 13% above the county. In Windsor, 58% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sonoma County (Fiscal year 2027)
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 Windsor
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Windsor is in ZIP code 95492.
For 2 bedrooms it is $3,040: $221 more than the fair market rent for Sonoma County ($2,819).
Fair market rent by ZIP code and size in Windsor, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95492
$2,130
$2,320
$3,040
$4,210
$4,630
ZIP code2 bd3 bd
95492 $3,040$4,210
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Windsor 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.
There is 1 HUD-approved agency with an office in Sonoma County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Windsor or Sonoma County. The ones below are statewide in California: they work in Windsor 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 Windsor or Sonoma 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 Windsor 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 Windsor?
The typical home value in Windsor is $801,100, 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 Windsor?
Typical rent in Windsor is $2,433 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 Windsor?
Windsor 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 Windsor?
The typical homeowner in Windsor pays $6,361 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Sonoma County, the rate is 0.7%.
Where can I find free help to buy or rent in Windsor?
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.
