Total monthly cost of ownership
Cost to Own a Home in Santa Rosa Valley, California
A $1,664,000 home here costs
$11,768per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $504,500 a year.
A standard mortgage calculator would have told you $9,072. The real number is $2,696 higher every month, 30% more than the payment most buyers budget for.
Compare Ventura County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Santa Rosa Valley from a five-year rolling sample, and with about 2,722 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Ventura County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Santa Rosa Valley against Ventura County and California
| Measure | Santa Rosa Valley | Ventura County |
|---|---|---|
| Median home value | $1,663,800 | $768,400 |
| Median property tax | $10,001 | $5,326 |
| Effective tax rate | 0.601% | 0.693% |
| Median gross rent | — | $2,248 |
| Population | 2,722 | 838,259 |
The weather behind that power bill
Santa Rosa Valley sits in Ventura County, which averages a high of 79.6°F in its hottest month and a low of 43.8°F in its coldest, with 12.01" of precipitation a year and 65% of it in a single three-month stretch. That climate drives 643 cooling and 1,551 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Ventura County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ventura County
Full Ventura County cost breakdown · Every county in California
Talk to someone who works this market
These are Santa Rosa Valley averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Santa Rosa Valley every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Santa Rosa Valley I already own here and may sell
Common questions
How much does it cost to own a home in Santa Rosa Valley?
A $1,664,000 home in Santa Rosa Valley, California costs approximately $11,768 per month with 20% down at 7.24%. That is $9,072 principal and interest, $833 property tax, $258 homeowners insurance, $218 utilities and $1,387 set aside for maintenance.
What is the property tax rate in Santa Rosa Valley?
Santa Rosa Valley has an effective property tax rate of 0.601%, based on a median home value of $1,663,800 and median real estate taxes of $10,001. That is lower than the Ventura County average of 0.693%.
What is the average home price in Santa Rosa Valley?
The median owner-occupied home value in Santa Rosa Valley, California is $1,663,800, against $768,400 across Ventura County.
Is it cheaper to rent or buy in Santa Rosa Valley?
Rent data is not published for Santa Rosa Valley at this level of detail.
What salary do you need to buy a home in Santa Rosa Valley?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Santa Rosa Valley, California at today's rate takes a household income of roughly $504,500 a year. That covers the full $11,768 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Santa Rosa Valley, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for California.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.