Santa Rosa, CA mortgage & affordability calculator
The typical home in Santa Rosa, CA is worth about $700,000.
With 20% down that's a loan near $560,000 — the calculator
is pre-filled with that figure. Santa Rosa anchors Sonoma County's wine country and has faced some of the state's steepest homeowners-insurance non-renewals since the 2017 Tubbs Fire burned through several of its neighborhoods.
$3,635.87 / month
Total interest
$748,917
Total paid
$1,308,917
Payoff
30.0 years
How much you need to earn
Santa Rosa, CA's median household income is about
$95,000 a year. Under standard 28/36
lending rules that supports a home price around
$393,493 with 20% down —
below the $700,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.
Typical asking rent in Santa Rosa, CA is about $2,400 a month, so owning the median home costs roughly
$1,807 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in Santa Rosa, CA?
On the metro's roughly $700,000 typical home with 20% down, the loan is about $560,000. Principal and interest run near $3,636 a month at today's rate, and Santa Rosa, CA's property tax plus insurance add about $571, for a full payment near $4,207.
Can I afford a home in Santa Rosa, CA on the median income?
The median household income is about $95,000 a year. Under standard 28/36 lending rules that supports a home price around $393,493 with 20% down — below the $700,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Santa Rosa, CA?
Typical asking rent is about $2,400 a month. The full owner payment on a median home is near $4,207, so owning costs roughly $1,807 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Santa Rosa, CA?
The effective property tax rate in the core county is about 0.75% of market value — roughly $5,250 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Santa Rosa, CA rising or falling?
Home values are roughly flat over the past year. Santa Rosa anchors Sonoma County's wine country and has faced some of the state's steepest homeowners-insurance non-renewals since the 2017 Tubbs Fire burned through several of its neighborhoods.