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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
$4,735
P&I Payment$4,017
Taxes & Ins$515
Utilities$203
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Mortgage Details

$771,405
Local Median: $771,405
$154,281 (20%)
%

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

Local Area Costs

Monthly$4,735

Monthly Breakdown

Principal & Interest
$4,017
Property Taxes
$433
Homeowners Ins.
$81
Utilities
$203

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$829,152

Local Housing Facts for Santa Rosa

  • ·Median home value: $771,405 (adjusted for current market conditions)
  • ·Est. property taxes: $5,199/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $975/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,432/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 $5,199 per year.

What is the average home price in Santa Rosa?

The median home value in Santa Rosa is currently estimated at $771,405.

How much does homeowners insurance cost in Santa Rosa?

For a median priced home, homeowners insurance in Santa Rosa averages around $975 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 $771,405 can expect to pay roughly $5,199/yr in property taxes, $975/yr for homeowners insurance, and $2,432/yr in energy utilities. That adds approximately $717 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.