Calculate using real Santa Rosa data. Median home price: $650,000. Property tax rate: 0.78%.
With the median household income of $76,340 in Santa Rosa, CA, following the 28% rule, you could afford a monthly payment of about $1,781.
The cost of living index in Santa Rosa, CA is 140 (national average = 100). A home at the median price of $650,000 would require roughly 8.5x the median income.
A conventional 20% down payment on the median Santa Rosa, CA home ($650,000) would be $130,000. FHA loans may require as little as 3.5% ($22,750).