Real Estate Investing in Santa Rosa, California (95407)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 95407 (Santa Rosa, CA)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
- Flat appreciation: Values have barely moved over 5 years (1.0% CAGR).
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Santa Rosa, CA (95407)?
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Market Analysis: 95407 Santa Rosa
The 95407 ZIP in Santa Rosa, CA is a local-operator market. Outside capital chasing a $633K entry has to pair deep knowledge with the discount.
Distressed markets are won on execution, not on spreadsheets. ZIP 95407 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
In the broader CA picture, 95407 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
A durable renter share of 48% in 95407 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The right play in 95407 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Santa Rosa:
Property Strategy for 95407
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $502,815 | $1,940 | 2.8% | -0.5% | $502,815 |
| 2BR | $521,336 | $2,550 | 3.5% | +1.4% | $260,668 |
| 3BR | $621,808 | $3,510 | 4.1% | +2.9% | $207,269 |
| 4BR | $722,140 | $3,740 | 3.7% | +3.9% | $180,535 |
| 5BR | $803,565 | — | — | +4.4% | $160,713 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 95407 Compare?
| Metric | 95407 | Santa Rosa | Santa Rosa-Petaluma, CA | California |
|---|---|---|---|---|
| Home Value | $632,861 | $724,131 | N/A | $761,003 |
| 5-Year CAGR | 1.0% | 1.2% | N/A | 5.7% |
| Avg Rent | $2,682 | $2,642 | N/A | - |
| Cap Rate | 3.3% | 2.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95407 (Santa Rosa, CA). Anonymous, moderated, never written by AI.
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Property managers serving Sonoma County
Manage rentals here? List your business →PURE Property Management of California aims to provide simple and satisfying rental experiences for all. summary from their website
Prestige Real Estate & Property Management offers Santa Rosa Property Management services. summary from their website
The Professional Property Management Association of San Francisco (PPMA) represents professional management of residential and commercial space in San Francisco. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $632,861 |
| Monthly Rent | $2,682 |
| Price-to-Rent | 19.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 4.3% |
📈 Home Appreciation
| 1-Year | +0.2% ▲ |
| 3-Year CAGR | -0.1% ▼ |
| 5-Year CAGR | +1.0% ▲ |
| 10-Year CAGR | +3.5% ▲ |
🏠 Rent Trends
| 1-Year | -7.3% ▼ |
| 3-Year CAGR | +0.8% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 95407
Population: 42,135
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 95407
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 4,937 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Which investment style suits Santa Rosa, CA?
Investors usually favor careful cash-flow rentals with hands-on management in Santa Rosa, CA. With home values at $633K and rents near $2,682/mo, other strategies can work but produce consistent rather than outsized returns.
Is vacancy a concern in Santa Rosa, CA?
Expect elevated vacancy in Santa Rosa, CA. Rents at $2,682/mo are absorbed by the tenant base without meaningful lag.
Does Santa Rosa, CA favor landlords or tenants?
Santa Rosa, CA operates under CA law, which is tenant-protective overall for landlords. Expect stable treatment in typical lease and eviction cases.
Are renters plentiful in Santa Rosa, CA?
Working renters make up the core of the Santa Rosa, CA tenant base. The pool is reasonable for investors targeting long-term holds.
How much rent can I charge in Santa Rosa, CA?
Santa Rosa, CA rentals go for roughly $2,682/mo a month. That puts gross yield in solid territory relative to $633K acquisition costs.
You know 95407 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 95407 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 95407 ranks in Santa Rosa-Petaluma, CA
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