Your Property Details
Santa Rosa, Sonoma County median: $725,000
Santa Rosa, Sonoma County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 28.0%
- Avg Property Tax Rate
- 1.10%
- Est. Annual Tax
- $7,975
Your Equity Position
Current Equity
$290,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$580,000
Cash Available
$145,000
Max New Loan
$616,250
Cash Available
$181,250
Max New Loan
$652,500
Cash Available
$217,500
5-Year Projection for Santa Rosa, Sonoma County
Based on 28.0% historical appreciation in Santa Rosa, Sonoma County, California:
Projected Value (5yr)
$928,000
Projected Equity Gain
$203,000
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Santa Rosa, Sonoma County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Santa Rosa, California?
Santa Rosa is in Sonoma County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Santa Rosa?
With Santa Rosa's median home value of $725,000, a homeowner with 40% equity could access approximately $145,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Santa Rosa, Sonoma County?
The average effective property tax rate in Santa Rosa is 1.10%. On a home valued at $725,000, that's approximately $7,975 per year. Property taxes are factored into your total PITI payment.
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