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Santa Rosa Mortgage Calculator

Estimate your true cost of homeownership in Santa Rosa with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$860
P&I Payment$541
Taxes & Ins$240
Utilities$79
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Mortgage Details

$102,164
Local Median: $102,164
$20,433 (20%)
%

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

Local Area Costs

Monthly$860

Monthly Breakdown

Principal & Interest
$541
Property Taxes
$85
Homeowners Ins.
$156
Utilities
$79

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$113,173

Local Housing Facts for Santa Rosa

  • ·Median home value: $102,164 (adjusted for current market conditions)
  • ·Est. property taxes: $1,014/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,869/yr — based on local per-$1K premium rates
  • ·Energy utilities: $945/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 $1,014 per year.

What is the average home price in Santa Rosa?

The median home value in Santa Rosa is currently estimated at $102,164.

How much does homeowners insurance cost in Santa Rosa?

For a median priced home, homeowners insurance in Santa Rosa averages around $1,869 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 $102,164 can expect to pay roughly $1,014/yr in property taxes, $1,869/yr for homeowners insurance, and $945/yr in energy utilities. That adds approximately $319 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.