How much is a home worth in ZIP code 95409?

The typical home in 95409 is worth $785,253, based on the Zillow Home Value Index.

Are home values rising in 95409?

Home values in 95409 are down 2.4% over the past year, and up 1.2% a year over five years.

What is the typical rent in 95409?

A typical home in 95409 rents for about $2,691 a month, a gross rental yield of 4.1%.

What is the property tax rate in 95409?

The effective property tax rate in 95409 is 0.8% — roughly $5,946 a year on a typical home.

ZIP code 95409 has a population of 25,616 and a median household income of $107,867.

HousingHandbookReference data

…

U.S. ZIP Code · CA95409

Sonoma County · Santa Rosa-Petaluma, CA

Typical home value

$785,253^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -2.4%
5-year / yr: +1.2%
10-year / yr: +2.4%

Relative price

vs U.S.: +176.4%
vs metro: -4.5%
vs state: +12.1%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 95409 is worth $785,253 — 4.5% below the Santa Rosa-Petaluma, CA median. Over the past year, values have fallen 2.4%. Homes here rent for a typical $2,691 a month — a 4.1% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,691^[2]
Gross yield: 4.1%^[2]
Cap rate: 2.5%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.8%^[3]
Typical annual tax: $5,946^[3]

#Climate risk

FEMA National Risk Index ratings for Sonoma County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively High^[4]
Riverine flood: Relatively High
Coastal flood: Relatively Moderate
Wildfire: Relatively High
Drought: Relatively High
Heat wave: Relatively Moderate
Hurricane: Not Applicable
Tornado: Very Low
Earthquake: Relatively High
Winter weather: Very Low

#Who lives here

Population: 25,616^[3]
Median household income: $107,867^[3]

#Migration

Household moves in and out of Sonoma County over a year, from IRS tax-return data.

Net migration: -207^[5]
Moved in: 9,223
Moved out: 9,430

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 8
Elementary: 5
Middle: 2
High: 1

Maria Carrillo High
High · Grades 9–12 · Santa Rosa High
1,585 students
Rincon Valley Middle
Middle · Grades 7–8 · Santa Rosa High
780 students
Sequoia Elementary
Elementary · Grades K–6 · Rincon Valley Union Elementary
422 students
Madrone Elementary
Elementary · Grades K–6 · Rincon Valley Union Elementary
393 students
Binkley Elementary Charter
Elementary · Grades K–6 · Rincon Valley Union Elementary
375 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield4.1%

Net yield (after ~40% expenses)2.5%

Annual rent$32,296

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$3,971

Loan principal$628,202

Down payment$157,051

Total interest paid$801,238

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.90

Monthly cost to own$5,122

Monthly rent$2,691

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 47th percentile^[1]
Rental yield: 43rd percentile^[2]
Property tax: 86th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 95409?: The typical home in 95409 is worth $785,253, based on the Zillow Home Value Index.
Are home values rising in 95409?: Home values in 95409 are down 2.4% over the past year, and up 1.2% a year over five years.
What is the typical rent in 95409?: A typical home in 95409 rents for about $2,691 a month, a gross rental yield of 4.1%.
What is the property tax rate in 95409?: The effective property tax rate in 95409 is 0.8% — roughly $5,946 a year on a typical home.
Who lives in 95409?: ZIP code 95409 has a population of 25,616 and a median household income of $107,867.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

95492 vs 95409 →
Windsor, CA
Typical home
$808,275
Gross yield
5.7%
95404 vs 95409 →
Santa Rosa, CA
Typical home
$821,783
Gross yield
3.6%
95444
Graton CDP, CA
Typical home
$822,293
Gross yield
—
95405
Santa Rosa, CA
Typical home
$742,246
Gross yield
4.3%
94954
Petaluma, CA
Typical home
$838,005
Gross yield
3.9%
95403
Santa Rosa, CA
Typical home
$730,081
Gross yield
4.6%

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#Jump to section

U.S. ZIP Code · CA95409

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