ZIP Code · CA

ZIP 95401

Pop. 36,861·Sonoma County·638th most expensive ZIP in California
Median rent (all units)
$2,438/mo
Year-over-Year
+3.7%
Month-over-Month
+0.5%
vs US Median
+$506
Reported rents
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 95401 · $2,438
More expensive than 78% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$1,960
1 BR
$2,160
2 BR
$2,840
3 BR
$3,900
4 BR+
$4,170
Research median
$2,840/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in ZIP 95401 usually run 0.6% below trend in January and 0.5% above it in June, about $27 a month apart at today's median. Based on 8 years of data.

Compared with the peak

Rent in ZIP 95401 is at its highest level since Zillow's records here began in February 2018.

Past year vs. the rest of California

Rent in ZIP 95401 changed +3.7% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 95401 rose 21.6% while median household income rose 24.3% ($75,290 to $93,615). Income kept ahead of rent.

Since before the pandemic

Rent in ZIP 95401 is 27.3% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 5 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($93,615) is $2,340 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($2,160); a 2-bedroom is $2,840.

Rank in Santa Rosa

2nd cheapest of 6 ZIP codes in Santa Rosa.

From Zillow's monthly rent index (ZORI) for ZIP 95401. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost
$29,256/yr
At $2,438/mo median
Location
StateCA
CountySonoma County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (3.7% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+3.7% YoY, +0.5% MoM), not inventory.
Demographics

Who lives here

ZIP 95401 (Santa Rosa, CA) is roughly split between renters and owners, has a median income above the national average, 27.4% of residents hold a bachelor's degree or higher.

Population
36,861
Median income
$93,615
Median age
39.2
Renters
46.1%
Age distribution
20.3%
22.9%
27.6%
17.3%
Under 1820.3%
18–3422.9%
35–5427.6%
55–6412%
65+17.3%
Gender
49.2%
50.8%
Male49.2%
Female50.8%
Race & ethnicity
49.2%
43.9%
White49.2%
Black1.6%
Hispanic43.9%
Asian4.7%
Other0.5%
Education (25+)
21.4%
21.4%
29.8%
27.4%
No HS diploma21.4%
HS diploma21.4%
Some college29.8%
Bachelor's+27.4%
Housing tenure
53.9%
46.1%
Owner53.9%
Renter46.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 95401 in Santa Rosa, CA has changed in 5 years

Rent
$1,983 → $2,438
up 22.9%
Income
$82,414 → $93,615
up 13.6%
Population
36,820 → 36,861
up 0.1%
Renter share
44.4% → 46.1%
+1.7 pts
Bachelor's+
28.1% → 27.4%
-0.7 pts
Median age
39.8 → 39.2
-0.6 yrs

Across the past five years, the going rent in ZIP 95401 in Santa Rosa, CA has shifted from $1,983 to $2,438, up 22.9% since 2021. Household income in the area moved from $82,414 to $93,615 across the same window, up 13.6% versus 2021. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. The renter share has risen from 44.4% to 46.1%, with owner-occupied housing accounting for the remainder. Reading these numbers side by side helps frame whether current listings in ZIP 95401 in Santa Rosa, CA look reasonable against where the market sat half a decade ago.

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Local insights

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About renting in ZIP 95401

Last updated: October 17, 2026

ZIP code 95401 covers Santa Rosa, CA. The median rent here is $2,438/mo as of October 2026. A 1-bedroom rents for a median of $2,160/mo. A 2-bedroom rents for a median of $2,840/mo.

At 31% of local median household income ($93,615/yr), ZIP 95401 ranks as moderate compared to the national benchmark of 30%. Rents have increased 3.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95401?

To keep rent at or below 30% of gross income, you would need to earn at least $98,000/year (about $47/hour full-time) to afford the median rent of $2,438/mo in ZIP 95401. The local median household income is $93,615/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 95401?

Rent in ZIP 95401 has risen 3.7% over the past year as of September 2026. That is the highest level since Zillow's records here began in February 2018.

When is the cheapest time to rent in ZIP 95401?

Asking rents in ZIP 95401 are usually lowest in January, about 0.6% below their yearly trend, and highest in June, about 0.5% above it. At today's median that is a gap of roughly $27 a month. This pattern comes from 8 years of Zillow rent data.

Has rent outpaced income in ZIP 95401?

No. From 2019 to 2024, rent in ZIP 95401 rose 21.6% while median household income rose 24.3%, from $75,290 to $93,615. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 95401 compare to other ZIPs in California?

ZIP 95401 is one of the more affordable among California ZIP codes for rent, ranking #638 of 898 at $2,438/mo. Over the year to September 2026, rent in ZIP 95401 changed +3.7%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.

How does ZIP 95401 compare to the rest of Santa Rosa?

At $2,438/mo, ZIP 95401 is $144 below the Santa Rosa citywide median of $2,582/mo. It is the 2nd cheapest of 6 ZIP codes in Santa Rosa.
Income Affordability
31%
MODERATE

At $2,438/mo, rent takes ~31% of ZIP 95401's median household income ($93,615/yr). The standard benchmark is 30%.

ZIP 95401 31%Benchmark 30%
State income tax1–13.3%
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Public schools near ZIP 95401 (Santa Rosa, CA)

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