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Santa Rosa city, CA

ZIP 95404 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95404

Median Home Value
$865,900
Median Rent
$1,689
Affordability Snapshot
$238,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,562/mo PITI).

20%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

42.7 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 95404 in Santa Rosa city, CA, a household would need roughly $238,000 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 $5,562. That is about 132% above the local median household income ($102,802), 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
59.3%-9% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
8.6%-33% vs US avg
x
Built Post-2014
2.6%-63% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
29.7%-22% vs US avg
x
$865,900
Home Value
$1,689
Rent
1973
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached67.2%
  • 1-unit attached6.8%
  • 2-9 units12.5%
  • 10+ units12.0%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$865,900
Median rent$1,689
Owner-occupied59.3%
Vacant7.2%
Price-to-income8.4x
Est. income to buy$238,000