US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95401
  5. Housing & Real Estate
Santa Rosa city, CA

ZIP 95401 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95401

Median Home Value
$628,900
Median Rent
$1,779
Affordability Snapshot
$173,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,040/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

6.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

29.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95401 in Santa Rosa city, CA, a household would need roughly $173,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,040. That is about 85% above the local median household income ($93,513), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
56.5%-14% vs US avg
x
Vacancy Rate
3.1%-69% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
22.6%-55% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$628,900
Home Value
$1,779
Rent
1979
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.3%
  • 1-unit attached10.3%
  • 2-9 units11.5%
  • 10+ units15.9%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$628,900
Median rent$1,779
Owner-occupied56.5%
Vacant3.1%
Price-to-income6.7x
Est. income to buy$173,000