ZIP 95403, Santa Rosa Housing Market · 2026

Data through Mar 2026 · Part of the Santa Rosa housing market

ZIP 95403, Santa Rosa Market Snapshot

ZIP 95403 offers real opportunities for buyers, and the balance keeps tilting their way:

Based on 73 homes sold in March 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through March 2026

SalesWhat are homes selling for?
Median Sale Price
$750K
Up 2.7% from March 2025
Up $20K from March 2025
Homes Sold
73
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$4,769/mo
6.53% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$3,804
  • Property Tax$781
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
46 days
2 more days than in March 2025
Buyers have time to decide
Sale-to-List Ratio
98.2%
Down from 99.6% in March 2025
Selling 2% below asking
% Sold Over Asking
12%
Only 12% sold above asking. Few bidding wars right now
Active Listings
70
Down 44.4% from March 2025
About 1 month of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 95403, Santa Rosa.

Median Sale Price
Up 2.7% year-over-year in 95403, Santa Rosa. Based on 73 sales in the most recent month.
Homes Sold
26% more homes sold than a year ago in 95403, Santa Rosa.
Total Monthly Payment
Estimated monthly cost is roughly flat compared to a year ago in 95403, Santa Rosa.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.53%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 95403

Is now a good time to buy in ZIP 95403?

ZIP 95403 is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.

How do ZIP 95403 home prices compare to the Bay Area average?

At $750K, ZIP 95403's median sits about 60% below the Bay Area average of $1.88M. ZIP 95403 is among the most accessible parts of the Bay Area.

This is close to the Santa Rosa city-wide median of $750K.

By home type:

  • Single-family homes at $763K
  • Condos at $732K
  • Townhomes at $450K
What price range should I budget for in ZIP 95403?

Prices in ZIP 95403 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $763K
  • Condos at $732K
  • Townhomes at $450K

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is ZIP 95403 for buyers?

ZIP 95403 is a buyer's market:

  • Homes sell about 2% below asking on average
  • 12% close above list price
  • 46 days typical time to go pending

Buyer strategy: well-structured offers below asking can succeed here.

What will my total monthly cost be on a median-priced ZIP 95403 home?

At $750K with 20% down at 6.53%, your estimated total monthly cost is approximately $4,769:

  • $3,804 principal and interest
  • $781 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
See all reviews on Zillow

Let's Chat!

I read every message and usually reply the same day.

What brings you here?