Santa Rosa Home Prices by ZIP Code: 2026 Comparison
Nima Kazeroonian July 24, 2026
Nima Kazeroonian July 24, 2026
Santa Rosa is often described as a single housing market, but home prices can vary substantially from one ZIP code to another. Location, property type, lot size, age, condition, insurance considerations and access to local amenities all contribute to these differences.
As of June 30, 2026, the typical Santa Rosa home value was approximately $720,728. Across the six primary ZIP codes compared in this guide, typical values ranged from approximately $636,299 in 95407 to $822,694 in 95404.
Based on Zillow’s Home Value Index for June 2026:
These are ZIP-wide estimates, not valuations for individual properties. A home’s condition, neighborhood, lot, views, improvements and insurability can produce a value considerably above or below the ZIP-code average.
ZIP code | Typical home value | One-year change | Median list price | For-sale inventory |
|---|---|---|---|---|
$656,684 | -1.8% | $677,467 | 52 | |
$732,887 | -1.6% | $777,000 | 89 | |
$822,694 | -1.4% | $1,226,667 | 119 | |
$739,783 | +0.8% | $725,650 | 59 | |
$636,299 | -1.8% | $669,830 | 45 | |
$783,120 | -2.5% | $815,833 | 111 |
Data source: Zillow Home Value Index and housing-market data through June 30, 2026. Median list price represents the midpoint of active asking prices, while the Zillow Home Value Index estimates the value of a typical home. The two measurements should not be treated as interchangeable.
The typical home value in 95401 was approximately $656,684, down 1.8% from the previous year.
ZIP code 95401 covers portions of west and central Santa Rosa. Its housing stock includes established single-family neighborhoods, condominiums, townhomes and properties with larger parcels toward the western edge of the ZIP code.
The area’s mix of property types creates a wide price range. A condominium or smaller attached home may sell well below the ZIP-wide typical value, while a renovated single-family home or acreage property can sell considerably above it.
Buyers may find a comparatively accessible entry point into Santa Rosa, but the lowest-priced properties can still attract competition when they are well-maintained and properly priced. Buyers should compare HOA expenses, property condition, commute routes and anticipated maintenance—not just purchase price.
Pricing should be based on the property’s immediate neighborhood and housing type. A house in an established single-family neighborhood should not be valued solely against nearby condominiums, manufactured homes or rural-edge properties.
The typical home value in 95403 was approximately $732,887, down 1.6% year over year. Homes were going pending in approximately 18 days, according to Zillow’s June data.
This ZIP code includes much of north and northwest Santa Rosa, including Coffey Park and areas extending toward Larkfield and Wikiup. Buyers can encounter rebuilt homes, established subdivisions, newer developments, attached housing and properties with a more rural setting.
Because 95403 covers such a broad area, two similarly priced homes may offer very different lot sizes, construction ages and surroundings. Buyers should confirm municipal boundaries, utility providers, insurance availability and any applicable HOA or special assessment before comparing properties.
Recent reconstruction, energy-efficient features and thoughtful improvements may influence value, but sellers should avoid assuming that renovation cost equals market value. The strongest pricing strategy uses recent comparable sales from the same immediate area and a similar property type.
The typical home value in 95404 was approximately $822,694, the highest among the ZIP codes in this comparison. Values were down about 1.4% from the previous year.
The ZIP code contains a particularly diverse mix of real estate, ranging from older central Santa Rosa homes to hillside residences, luxury properties and larger parcels. This explains why its June median list price—approximately $1.23 million—was substantially higher than its typical home value.
Do not judge affordability from the ZIP-wide asking price alone. The active inventory may be weighted toward luxury, hillside or acreage properties during a particular month.
For hillside and rural-edge homes, buyers should investigate insurance availability early. Obtaining a property-specific insurance estimate before removing contingencies can help prevent financing or affordability surprises.
This is not one uniform market. Entry-level homes, historic properties, hillside residences and luxury estates can move at very different speeds. Accurate pricing requires a narrow comparison by location, lot, construction, views, condition and insurance profile.
The typical home value in 95405 was approximately $739,783, up 0.8% year over year. It was the only ZIP code in this comparison showing positive annual growth in Zillow’s June 2026 data.
This area includes portions of southeast Santa Rosa and Bennett Valley, with a housing mix that includes mid-century homes, established subdivisions, condominiums and properties near parks, shopping and recreational amenities.
Homes were going pending in approximately 16 days, indicating that well-positioned properties could still move quickly despite broader market uncertainty.
Buyers should compare renovated and unrenovated homes carefully. Major systems—including roofing, electrical, plumbing, heating and drainage—can meaningfully affect the true cost of ownership even when two homes have similar asking prices.
The ZIP code’s positive annual movement does not mean every home has appreciated by the same amount. Presentation, condition and pricing remain important. Well-maintained homes can attract strong attention, while properties requiring significant work may need a more conservative strategy.
The typical home value in 95407 was approximately $636,299, the lowest among the six ZIP codes reviewed. Values were down 1.8% from the previous year.
The area includes much of southwest Santa Rosa, with single-family homes, townhomes, condominiums, newer construction and properties on larger parcels. The variety of housing can make 95407 attractive to buyers seeking a lower typical price point within Santa Rosa.
A lower ZIP-wide value does not automatically mean less competition. Move-in-ready homes within popular price bands can receive strong interest. Buyers should also compare new-construction costs, HOA dues, lot size, solar agreements and potential special assessments.
Buyers in this price range are often highly payment-conscious. Preparation and pricing can have a significant effect on visibility. Addressing obvious repairs, improving curb appeal and presenting clear information about upgrades can help a property compete against both resale and new-construction inventory.
The typical home value in 95409 was approximately $783,120, down 2.5% year over year. Homes were going pending in approximately 15 days.
ZIP code 95409 includes areas such as Rincon Valley, Oakmont, Skyhawk and other eastern Santa Rosa communities. Its real estate ranges from condominiums and age-qualified housing to established single-family homes and larger luxury properties.
Because the ZIP includes several distinct property categories, its overall value does not represent the likely price of every home.
Buyers should separate their analysis by property type. An Oakmont home, a Rincon Valley residence and a larger hillside property may have different ownership costs, insurance considerations, HOA obligations and buyer demand.
Eastern and hillside locations may also carry property-specific wildfire or insurance considerations. Buyers should request insurance estimates early rather than assuming that every property in the same ZIP code will receive similar coverage.
Pricing should reflect the home’s specific community and buyer pool. Comparing an age-qualified property with a non-age-restricted single-family home—or a standard subdivision home with a luxury hillside residence—can lead to an inaccurate valuation.
From lowest to highest, the June 2026 typical values were:
The difference between the lowest and highest typical values was approximately $186,395.
That spread helps illustrate why a citywide average can be misleading. Even within one ZIP code, individual neighborhoods and property types can vary by hundreds of thousands of dollars.
Buyers should use ZIP-level data as a starting point—not as a substitute for evaluating individual homes.
Before making an offer:
A lower purchase price does not necessarily produce the lowest monthly ownership cost. Insurance, HOA dues, repairs and financing can change the overall calculation.
Your ZIP code provides useful context, but it does not determine your home’s value.
An accurate valuation should consider:
Automated estimates cannot fully account for every property-specific difference. A comparative market analysis can provide a more precise picture using recent sales and current competition.
As of June 30, 2026, 95404 had the highest typical home value among Santa Rosa’s primary ZIP codes at approximately $822,694. Its mix of hillside, luxury, central-city and acreage properties contributes to a broad price range.
ZIP code 95407 had the lowest typical home value in this comparison at approximately $636,299. Individual properties may sell well above or below that figure depending on housing type, size, condition and location.
Santa Rosa’s citywide typical home value was down approximately 1.5% year over year as of June 2026. Five of the six ZIP codes compared here showed modest annual declines, while 95405 increased approximately 0.8%.
Zillow estimated Santa Rosa’s typical home value at approximately $720,728 as of June 30, 2026. This is a citywide figure; ZIP-code and neighborhood values vary substantially.
No. Although 95404 had the higher ZIP-wide typical value in June 2026, individual homes in 95409 can sell for more than homes in 95404. Property type, location, lot, size, condition and amenities matter more than the ZIP code alone.
The answer depends on budget, preferred property type, commute, lot-size needs, maintenance expectations and proximity to desired amenities. The most useful approach is to compare specific homes and neighborhoods rather than selecting an entire ZIP code based only on its average value.
Start with recent comparable sales from the same neighborhood and property category. For a property-specific analysis, request a professional comparative market assessment that accounts for condition, improvements, lot, location and current competition.
Santa Rosa’s housing market changes significantly by ZIP code. As of June 2026, typical values ranged from approximately $636,299 in 95407 to $822,694 in 95404, while the citywide typical value was approximately $720,728.
For buyers, ZIP-level data can help identify where a budget may provide more options. For sellers, it shows why pricing a home from a citywide average—or even a ZIP-wide average—can be misleading.
The best real estate decisions come from combining current data with property-specific and neighborhood-level analysis.
Whether you are comparing Santa Rosa neighborhoods, preparing to buy or considering a sale, I can provide a more detailed analysis based on your goals and the latest local market activity.
Along with this checklist, seeking guidance from a professional is always a good idea!
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