Key Economic Benchmarks
Median Household Income
$99,060$8,255 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Santa Rosa, CA
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Santa Rosa, CA
Official FY2026 HUD Fair Market Rents for Santa Rosa-Petaluma, CA MSA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $1,949 | $23,388 | $77,960 | 23.6% |
| 1-Bedroom Apartment | $2,155 | $25,860 | $86,200 | 26.1% |
| 2-Bedroom ApartmentBenchmark | $2,827 | $33,924 | $113,080 | 34.2% |
| 3-Bedroom Home | $3,887 | $46,644 | $155,480 | 47.1% |
| 4-Bedroom Home | $4,147 | $49,764 | $165,880 | 50.2% |
50/30/20 Living Budget in Santa Rosa, CA
Based on the local median household income of $99,060/year ($8,255/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in California
Explore net income after federal income tax, FICA, and California state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across California with official federal datasets:
Frequently Asked Questions About Living in Santa Rosa, CA
What is the median household income in Santa Rosa, CA?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Santa Rosa, CA is $99,060 per year (approximately $8,255 per month).
What is the average rent in Santa Rosa, CA?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Santa Rosa, CA are $1,949 for a studio, $2,155 for 1 bedroom, $2,827 for 2 bedrooms, $3,887 for 3 bedrooms, and $4,147 for 4 bedrooms.
How does the cost of living in Santa Rosa, CA compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Santa Rosa, CA is 107.8 (7.8% higher than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Santa Rosa, CA?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($2,827/month) in Santa Rosa, CA requires a minimum gross household income of $113,080 per year ($9,423 per month).
What is a balanced 50/30/20 monthly budget in Santa Rosa, CA?
For a typical household earning the median income of $99,060/year ($8,255/month) in Santa Rosa, CA, a balanced 50/30/20 budget allocates $4,128/month to essential needs (rent, utilities, groceries), $2,477/month to discretionary spending, and $1,651/month to savings and debt repayment.
What are typical electricity and utility costs in Santa Rosa, CA?
Residential electricity rates in California average 34.7¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $313 per month.