Markets › CA › Santa Rosa

Santa Rosa, CA housing market

Santa Rosa, CA metro median sale price $794K in Sep 2026, up 1.1% year over year. Also days on market, price cuts, affordability and ZIP-code figures.

The median sale price in the Santa Rosa, CA metro is $794K as of Sep 2026, up 1.1% from a year earlier. The gain is smaller than in most of the 193 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro agrees within 0.3 points (up 0.8% through Q2 2026).

On median sale price, Santa Rosa ($794K) ranks 6th of the 13 California metros Pecan Street tracks, between Oxnard / Thousand Oaks ($873K) and Sacramento ($594K). On median days on market, Santa Rosa (55 days) ranks 7th of the 13 California metros, between Los Angeles (55 days) and Stockton (53 days). On share of listings with a price cut, Santa Rosa (33%) ranks 8th of the 13 California metros, between Fresno (35%) and San Jose (31%).

Listings spent a median 55 days on market in Sep 2026. 33% of active listings carry a price cut, 0.4 points fewer than a year earlier. That share is lower than in most of the 195 metros. Median asking prices sit about 14% above the median sale price. Building permits authorized 89 new housing units in Aug 2026.

At the 7.38% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $4,391 a month; at 28% of gross income, that takes about $188K a year. The median sale price equals about 17 years of HUD Fair Market Rent, a ratio up 0.7% from a year earlier. That ratio is higher than in most of the 193 metros. Active listings ask a median $539 per square foot, up 1.4% from a year earlier.

In eight of the 12 ZIP codes in the table below, median list prices are lower than a year earlier; four are higher.

Headline

Median sale price

Sep 2026

$794K

+1.1% year-over-year

How it’s calculated

Rolling 3-month median sale price vs. same 3 months one year prior.

Mortgage rate

Oct 14, 2026

7.38%

30-year fixed

Where it comes from

National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.

The same rate appears on every market page.

Monthly payment

Principal & interest

$4,391/mo

$188K/yr income needed

How it’s calculated

Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.

Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.

How Santa Rosa compares to other U.S. metros

Asking-vs-sale gap	↑2nd of 166 (top 2%)
Price cuts	↓137th of 195
Price-to-rent	↑64th of 193 (top 34%)
Home-price growth	↓122nd of 193
Days on market	113th of 195

Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.

Affordability

Price-to-rent ratio	≈ 17 +0.7% YoY ↑64th of 193 (top 34%)
Asking price / sq ft	$539 +1.4% YoY

Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.

Market pressure

Listings with a price cut	≈ 33% -0.4 pts YoY ↓137th of 195
New housing units permitted	89

The median asking price $908K runs about 14% above the median sale price $794K.

Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.

Market facts

ZIPs with listing data	12 shown of 34
MLS board of record	BAREIS MLS
Price methodology	Redfin vs FHFA HPI
Data as of	Sep 2026

Recent signals

No signals flagged for this market right now.

Recent notable readings

Single-family building permits rose 20% over the 12 months through Aug 2026 (850 homes, against 710 the year before): the 13th-largest increase of the 195 U.S. metros Pecan Street tracks.

Readings from the latest data that sit at one end of the U.S. metros Pecan Street tracks, from the nightly cross-metro comparison. They are not signal alerts.

Price reconciliation

normal · 0.3pp

Redfin (metro)

+1.1%

FHFA HPI · Q2 2026

+0.8%

Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.

More markets in CA

Bakersfield Fresno Los Angeles Modesto Oxnard / Thousand Oaks Riverside / San Bernardino Sacramento San Diego San Francisco San Jose Stockton Visalia

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ZIP-level data

ZIP	Median list price	Active listings	New listings	Price reductions	Days on market	Home value
94928	$524K↓	43↓	38↓	20↓	34↓	$712K↑
95401	$675K↑	46↓	38↑	18↓	35↓	$652K↓
95403	$812K↓	97↓	46↑	42↑	45↓	$728K↓
95404	$1.4M↑	98↓	34↑	36↑	70↑	$814K
95405	$690K↓	49↑	26↑	20↑	38↑	$728K↑
95407	$649K↓	55↑	24↑	24↑	49↑	$632K↓
95409	$774K↓	87↓	60↑	40↓	39↓	$776K↓
95425	$743K↑	43↑	6↑	16↓	52↓	$630K↓
95446	$546K↓	40↓	16↓	14↓	52↓	$520K↓
95448	$2.0M↑	118↑	32↑	20↑	100↑	$1.1M↓
95472	$1.3M↓	55↓	44↑	16↓	34↓	$1.1M↑
95476	$1.2M↓	126↓	58↓	34↓	71↓	$945K↓

ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.