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Santa Rosa city, CA

ZIP 95403 — 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 95403

Median Home Value
$651,900
Median Rent
$2,000
Affordability Snapshot
$179,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,188/mo PITI).

25%
Rent-to-Income Ratio

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

6.9x
Home Price-to-Income Ratio

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

27.2 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 95403 in Santa Rosa city, CA, a household would need roughly $179,000 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 $4,188. That is about 89% above the local median household income ($94,480), 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
54.9%-16% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
34.3%-10% vs US avg
x
$651,900
Home Value
$2,000
Rent
1986
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached51.0%
  • 1-unit attached10.2%
  • 2-9 units14.1%
  • 10+ units16.2%
  • Mobile home & other8.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$651,900
Median rent$2,000
Owner-occupied54.9%
Vacant5.3%
Price-to-income6.9x
Est. income to buy$179,000