Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

95404 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 95404 with localized property taxes, insurance, and utility data.

← Back to ZIP Code 95404 Hub
Est. Total Monthly Cost
$5,679
P&I Payment$4,881
Taxes & Ins$587
Utilities$211
Also calculate:FHA CalculatorVA Calculator

Next steps

Take this 95404 scenario further — you stay anonymous.

Track this scenarioSave it to My Scenarios and watch the rate over timeFind lenders for this scenarioSee top-ranked local lenders and request quotes

Mortgage Details

$935,543
Local Median: $935,543
$187,109 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$5,679

Monthly Breakdown

Principal & Interest
$4,881
Property Taxes
$505
Homeowners Ins.
$82
Utilities
$211

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$1,008,628

Local Housing Facts for ZIP Code 95404

  • ·Median home value: $935,543 (adjusted for current market conditions)
  • ·Est. property taxes: $6,063/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $979/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,534/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in SANTA ROSA?

Based on the local median home value, estimated real estate property taxes in SANTA ROSA are around $6,063 per year.

What is the average home price in SANTA ROSA?

The median home value in SANTA ROSA is currently estimated at $935,543.

How much does homeowners insurance cost in SANTA ROSA?

For a median priced home, homeowners insurance in SANTA ROSA averages around $979 annually.

What is the true total cost of owning a home in SANTA ROSA?

True homeownership costs go beyond principal and interest. In SANTA ROSA, a typical homeowner with a median-priced home of $935,543 can expect to pay roughly $6,063/yr in property taxes, $979/yr for homeowners insurance, and $2,534/yr in energy utilities. That adds approximately $798 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.