Santa Rosa, CA home prices
Typical home $782,966 · +0.8% in a year · income needed $216,900
The Santa Rosa, CA metro area ranks 24 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.8% in a year and +4.4% over five years. With 20% down at 7.11%, the typical home costs about $5,061 a month including 0.7% property tax (Sonoma County rate).
Mortgage on the typical Santa Rosa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $156,593 | $626,373 | $4,214 | $0 | $847 | $5,061 | $216,900 |
| 10% down | $78,297 | $704,669 | $4,740 | $294 | $847 | $5,881 | $252,000 |
| 5% down | $39,148 | $743,818 | $5,004 | $310 | $847 | $6,161 | $264,000 |
| 3.5% down (FHA) | $27,404 | $768,785 | $5,172 | $346 | $847 | $6,365 | $272,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.7% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Santa Rosa area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sonoma County, CA | $782,980 | +0.8% | 0.7% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Santa Rosa?
The typical home in the Santa Rosa, CA metro area is worth $782,966 (Zillow, September 2026).
What salary do you need to buy a house in Santa Rosa?
About $216,900 a year for the typical home with 20% down at 7.11%.