ZIP Code 95409 — Santa Rosa, California

The median home in 95409 is valued at $774,900 against a median household income of $100,225, a price-to-income ratio of 7.7. 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, 95409 ranks 15 of 30 ZIPs on affordability (1 = lowest ratio); the county median ratio is 7.9. Renting takes 27.6% of median household income (median rent $2,302 a month), under the 30% cost-burden threshold.

95409 ranks 574 of 1,558 statewide on median household income and 523 of 1,558 on median home value; its income is in line with the $100,331 Sonoma County median. 67% of households own their home, in line with the 64% statewide ZIP median, making this a majority-owner ZIP. 49% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 6.5%, below the 10.8% statewide ZIP median. Unemployment stands at 7.7%.

With 747 residents per square mile across 35 square miles of land, 95409 is less dense than the statewide ZIP median of 1,120 (rank 844 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.