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Santa Rosa city, CA

ZIP 95407 — 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 95407

Median Home Value
$603,300
Median Rent
$1,702
Affordability Snapshot
$166,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,875/mo PITI).

25%
Rent-to-Income Ratio

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

7.3x
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 95407 in Santa Rosa city, CA, a household would need roughly $166,000 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 $3,875. That is about 100% above the local median household income ($82,807), 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
51.1%-22% vs US avg
x
Vacancy Rate
2.0%-80% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
28.1%-44% vs US avg
x
Mortgage-Free
30.1%-21% vs US avg
x
$603,300
Home Value
$1,702
Rent
1989
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 detached53.3%
  • 1-unit attached10.0%
  • 2-9 units15.7%
  • 10+ units13.0%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$603,300
Median rent$1,702
Owner-occupied51.1%
Vacant2.0%
Price-to-income7.3x
Est. income to buy$166,000