Mortgage Calculator & Closing Costs: Santa Rosa, CA
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Santa Rosa, California.
Median Home Price
$725K
Population
178K
Avg Monthly Rent
$2,250
Property Tax Rate
0.73% *
* Property tax shown is the California state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Santa Rosa.
Santa Rosa vs California Median
The median home price in Santa Rosa is $725,000, which is 8% below the California state median of $785,000.
Mortgage Calculator — Santa Rosa, CA
Pre-filled with Santa Rosa median home price and California tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $725K home using California's 0.73% tax rate and $2,200/yr insurance.
5% Down
$5,380/mo
Down: $36,250
Loan: $689K
P&I: $4,353
Tax: $441
Insurance: $183
PMI: $402
10% Down
$5,129/mo
Down: $72,500
Loan: $653K
P&I: $4,124
Tax: $441
Insurance: $183
PMI: $381
20% Down (No PMI)
$4,290/mo
Down: $145,000
Loan: $580K
P&I: $3,666
Tax: $441
Insurance: $183
Income needed (28% rule): $184K/year with 20% down, $220K/year with 10% down.
Rent vs Buy in Santa Rosa
Rent
$2,250/mo
vs
Buy (10% down)
$5,129/mo
Price-to-rent ratio: 26.9 — At a ratio above 20, renting may be more economical in Santa Rosa for shorter stays. Buying costs $2,879 more per month than renting, and it typically takes 5-7 years to break even on the transaction costs of buying.
The median home price in Santa Rosa is $725,000, 8% below the California state median of $785,000. With a population of 178,127, Santa Rosa is a mid-size city where home prices tend to be more accessible than in many parts of California.
Property taxes in California average 0.73% annually. This moderate property tax rate means a $725,000 home in Santa Rosa would carry roughly $441/month in property taxes. Homeowners insurance in California runs approximately $2,200 per year. This is within the normal range nationally.
Average rent in Santa Rosa is $2,250/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Santa Rosa is a higher-cost market. At $725K median, buyers need significant savings or strong income. Down payment assistance through California's CalHFA Dream For All program becomes especially important.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Santa Rosa.