US5.com
  1. Home
  2. States
  3. California
  4. ZIP 95405
  5. Housing & Real Estate
Santa Rosa city, CA

ZIP 95405 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95405

Median Home Value
$749,700
Median Rent
$2,152
Affordability Snapshot
$206,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,816/mo PITI).

22%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

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

29.0 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 95405 in Santa Rosa city, CA, a household would need roughly $206,000 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 $4,816. That is about 75% above the local median household income ($117,931), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.6%-7% vs US avg
x
Vacancy Rate
2.5%-75% vs US avg
x
Broadband Access
95.1%+9% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
19.4%-61% vs US avg
x
Mortgage-Free
32.8%-14% vs US avg
x
$749,700
Home Value
$2,152
Rent
1972
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 detached63.3%
  • 1-unit attached10.7%
  • 2-9 units15.8%
  • 10+ units10.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$749,700
Median rent$2,152
Owner-occupied60.6%
Vacant2.5%
Price-to-income6.4x
Est. income to buy$206,000