Mortgage Rates in Santa Rosa, California — March 2026
Updated March 2026 | Based on Santa Rosa market data and regional lending conditions
Santa Rosa is a growing city in California with a population of 178,391. The current 30-year fixed mortgage rate in Santa Rosa is 6.55%, which is 0.1% below the national average. With a median home price of $725,000 and a 20% down payment of $145,000, homebuyers can expect a monthly principal and interest payment of approximately $3,685.
Current Mortgage Rates in Santa Rosa, CA
Below are the current average mortgage rates available in the Santa Rosa area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.55% | 6.65% | -0.1% |
| 15-Year Fixed | 5.79% | 5.89% | -0.1% |
| 5/1 ARM | 6.05% | 6.15% | -0.1% |
| FHA | 6.15% | 6.25% | -0.1% |
| VA | 5.95% | 6.05% | -0.1% |
| Jumbo | 6.75% | 6.85% | -0.1% |
Santa Rosa Housing Market Overview
The Santa Rosa housing market is competitive with prices well above the national median. The median household income in Santa Rosa is $72,250, and the cost of living index is 138.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $177,600 to comfortably afford the median-priced home in Santa Rosa, which exceeds the current median household income.
Monthly Payment Breakdown for Santa Rosa
Based on the median home price of $725,000 with 20% down ($145,000), here is what you can expect to pay monthly in Santa Rosa:
15-Year vs. 30-Year Mortgage in Santa Rosa
Choosing a 15-year mortgage in Santa Rosa at 5.79% instead of a 30-year at 6.55% would save you $457,380 in total interest over the life of the loan. However, your monthly payment would be $4,829 instead of $3,685 — an increase of $1,144 per month.
Calculate Your Santa Rosa Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Santa Rosa
What are the current mortgage rates in Santa Rosa, CA?
As of March 2026, the average 30-year fixed mortgage rate in Santa Rosa, California is 6.55%, while the 15-year fixed rate is 5.79%. FHA loans average 6.15% and VA loans 5.95%. These rates are 0.1% below the national average of 6.65%.
How much is a monthly mortgage payment in Santa Rosa?
Based on the median home price of $725,000 with 20% down, the estimated monthly mortgage payment in Santa Rosa is $3,685 for principal and interest. Including property taxes of $459/month, the total monthly housing cost is approximately $4,144.
What income do I need to buy a home in Santa Rosa?
Using the 28% rule, you would need an annual income of approximately $177,600 to afford the median-priced home in Santa Rosa at $725,000. The median household income in Santa Rosa is $72,250. This means most households would need to either earn above the median or consider homes below $725,000.
Is Santa Rosa a good place to buy a home in 2026?
Santa Rosa has a higher cost of living than average with a cost of living index of 138.5 (national average = 100). The property tax rate in California is 0.76%, which is below the national average. Santa Rosa has a population of 178,391 and offers a balanced lifestyle.
Mortgage Rates in Other California Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Santa Rosa, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.