Mortgage Payment Calculator for Santa Rosa, CA
Updated 2026 · Local data pre-filled
The median home price in Santa Rosa, CA is $680,000, with an effective property tax rate of 0.71% — below the national average of 1.10%. We've pre-filled the calculator with local figures so your estimate reflects what buyers actually pay in Santa Rosa.
✓ Calculator below is pre-filled with Santa Rosa local data
How Santa Rosa Compares to the National Average
Understanding how Santa Rosa stacks up helps you calibrate your financial planning.
| Metric | Santa Rosa, CA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $680,000 | $420,800 | +61.6% |
| Median Monthly Rent | $2,100 | $1,713 | +22.6% |
| Median Household Income | $88,400 | $74,580 | +18.5% |
| Property Tax Rate | 0.71% | 1.10% | -35.5% |
| Cost of Living Index | 148 | 100 | +48.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Santa Rosa Financial Snapshot
- Population (Metro)
- 510,000
- Unemployment
- 4.0%
- Avg Commute
- 27 min
- Median Age
- 40.3
- Price-to-Rent Ratio
- 27.0x
- Annual Property Tax
- $4,828
Mortgage Payment Calculator in Other California Cities
Frequently Asked Questions — Santa Rosa
What is the median home price in Santa Rosa, CA?
The median home price in Santa Rosa is $680,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Santa Rosa?
Median monthly rent in Santa Rosa is $2,100. That works out to $25,200/year, or 29% of the median household income — within the commonly recommended 30% of income guideline.
Is Santa Rosa affordable?
Santa Rosa's cost of living index is 148 vs. the national average of 100. With a median household income of $88,400/year and a median home price of $680,000, the price-to-income ratio is 7.7x. This makes homeownership a significant stretch for the typical Santa Rosa household.
What is the property tax rate in Santa Rosa?
The effective property tax rate in Santa Rosa is 0.71% of assessed value. On the median home of $680,000, that's roughly $4,828/year ($402/month).