ZIP Code 95407 — Santa Rosa, California

The median home in 95407 is valued at $585,400 against a median household income of $81,484, a price-to-income ratio of 7.2. That is above the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Sonoma County, 95407 ranks 12 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.9. Renting takes 25.9% of median household income (median rent $1,756 a month), under the 30% cost-burden threshold.

95407 ranks 868 of 1,558 statewide on median household income and 810 of 1,558 on median home value; its income is below the $100,331 Sonoma County median. 52% of households own their home, below the 64% statewide ZIP median, making this a majority-owner ZIP. 18% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 13.6%, above the 10.8% statewide ZIP median. Unemployment stands at 5.9%.

With 1,951 residents per square mile across 21.6 square miles of land, 95407 is far denser than the statewide ZIP median of 1,120 (rank 703 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.