Income required to pay rent in Sonoma

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Income required to pay rent in Sonoma

The fair market rent for a two-bedroom unit.

Data from The Press Democrat indicates that to afford average rental costs in 2026,
a single-income, married couple filing jointly in Sonoma and Napa county ZIP codes
requires an hourly wage ranging from approximately $47 to over $66,
based on the 30% gross income(Before Taxes)  standard.
The table below highlights required monthly income and estimated after-tax earnings,
assuming 40 hours per week and standard deductions, in California.

TABLE 1 assumes 38% of after taxes income goes to rent. (30% of before tax income)

  Monthly Income
ZIP Town Rent Monthly Income/Hour Before Taxes After Taxes
95401 Santa Rosa $2,840 $54.62 $9,467 $7,488
95403 Santa Rosa $2,910 $55.96 $9,700 $7,675
95404 Santa Rosa $2,730 $52.50 $9,100 $7,198
95405 Santa Rosa $3,120 $60.00 $10,400 $8,216
95409 Santa Rosa $3,240 $62.31 $10,800 $8,543
95407 Santa Rosa $2,550 $49.04 $8,500 $6,724
95476 Sonoma $2,860 $55.00 $9,533 $7,545
95431 Eldridge $2,690 $51.73 $8,967 $7,095
95452 Kenwood $2,920 $56.15 $9,733 $7,700
95448 Healdsburg $2,920 $56.15 $9,733 $7,700
95425 Cloverdale $2,470 $47.50 $8,233 $6,511
95441 Geyserville $2,470 $47.50 $8,233 $6,511
95442 Glen Ellen $2,510 $48.27 $8,367 $6,612
95492 Windsor $3,070 $59.04 $10,234 $8,094
95439 Fulton $2,950 $56.73 $9,833 $7,777
95444 Graton $2,640 $50.77 $8,800 $6,961
95472 Sebastopol $2,640 $50.77 $8,800 $6,961
95465 Occidental $2,470 $47.50 $8,233 $6,511
95436 Forestville $2,470 $47.50 $8,233 $6,511
95462 Monte Rio $2,470 $47.50 $8,233 $6,511
95486 Villa Grande $2,470 $47.50 $8,233 $6,511
95471 Rio Nido $2,470 $47.50 $8,233 $6,511
95446 Guerneville $2,470 $47.50 $8,233 $6,511
94928 Rohnert Park $3,100 $59.62 $10,334 $8,176
94931 Cotati $2,470 $47.50 $8,233 $6,511
94952 Petaluma $2,990 $57.50 $9,967 $7,884
94954 Petaluma $3,430 $65.96 $11,433 $9,043
94951 Penngrove $2,610 $50.19 $8,700 $6,885
95450 Jenner $2,840 $54.62 $9,467 $7,488
94923 Bodega Bay $2,470 $47.50 $8,233 $6,511
94922 Bodega $2,550 $49.04 $8,500 $6,724
95497 The Sea Ranch $2,470 $47.50 $8,233 $6,511
95480 Stewarts Point $2,470 $47.50 $8,233 $6,511
95421 Cazadero $2,470 $47.50 $8,233 $6,511
95412 Annapolis $2,470 $47.50 $8,233 $6,511
94503 American Canyon $3,710 $71.35 $12,367 $9,778
94508 Angwin $2,520 $48.46 $8,400 $6,644
94515 Calistoga $2,690 $51.73 $8,967 $7,095
94558 Napa $3,470 $66.73 $11,567 $9,151
94559 Napa $3,260 $62.69 $10,866 $8,592
94562 Oakville $3,320 $63.85 $11,067 $8,739
94567 Pope Valley $3,340 $64.23 $11,133 $8,787
94573 Rutherford $3,190 $61.35 $10,634 $8,423
94574 St. Helena $2,950 $56.73 $9,833 $7,777
94576 Deer Park $2,950 $56.73 $9,833 $7,777
94599 Yountville $3,250 $62.50 $10,833 $8,571

 

At 50% of after tax income goes to rent. (instead of 38% ).

  Monthly Income
ZIP Town Rent Monthly Income/Hour Before Taxes After Taxes
95401 Santa Rosa $2,840 $41.43 $7,183 $5,680
95403 Santa Rosa $2,910 $42.50 $7,357 $5,820
95404 Santa Rosa $2,730 $39.80 $6,901 $5,460
95405 Santa Rosa $3,120 $45.50 $7,887 $6,240
95409 Santa Rosa $3,240 $47.30 $8,191 $6,480
95407 Santa Rosa $2,550 $37.20 $6,446 $5,100
95476 Sonoma $2,860 $41.70 $7,230 $5,720
95431 Eldridge $2,690 $39.30 $6,800 $5,380
95452 Kenwood $2,920 $42.60 $7,382 $5,840
95448 Healdsburg $2,920 $42.60 $7,382 $5,840
95425 Cloverdale $2,470 $36.10 $6,244 $4,940
95441 Geyserville $2,470 $36.10 $6,244 $4,940
95442 Glen Ellen $2,510 $36.60 $6,345 $5,020
95492 Windsor $3,070 $44.80 $7,761 $6,140
95439 Fulton $2,950 $43.00 $7,458 $5,900
95444 Graton $2,640 $38.50 $6,674 $5,280
95472 Sebastopol $2,640 $38.50 $6,674 $5,280
95465 Occidental $2,470 $36.10 $6,244 $4,940
95436 Forestville $2,470 $36.10 $6,244 $4,940
95462 Monte Rio $2,470 $36.10 $6,244 $4,940
95486 Villa Grande $2,470 $36.10 $6,244 $4,940
95471 Rio Nido $2,470 $36.10 $6,244 $4,940
95446 Guerneville $2,470 $36.10 $6,244 $4,940
94928 Rohnert Park $3,100 $45.20 $7,837 $6,200
94931 Cotati $2,470 $36.10 $6,244 $4,940
94952 Petaluma $2,990 $43.60 $7,559 $5,980
94954 Petaluma $3,430 $50.00 $8,671 $6,860
94951 Penngrove $2,610 $38.10 $6,598 $5,220
95450 Jenner $2,840 $41.43 $7,183 $5,680
94923 Bodega Bay $2,470 $36.10 $6,244 $4,940
94922 Bodega $2,550 $37.20 $6,446 $5,100
95497 The Sea Ranch $2,470 $36.10 $6,244 $4,940
95480 Stewarts Point $2,470 $36.10 $6,244 $4,940
95421 Cazadero $2,470 $36.10 $6,244 $4,940
95412 Annapolis $2,470 $36.10 $6,244 $4,940
94503 American Canyon $3,710 $54.10 $9,379 $7,420
94508 Angwin $2,520 $36.80 $6,371 $5,040
94515 Calistoga $2,690 $39.30 $6,800 $5,380
94558 Napa $3,470 $50.70 $8,772 $6,940
94559 Napa $3,260 $47.60 $8,241 $6,520
94562 Oakville $3,320 $48.40 $8,393 $6,640
94567 Pope Valley $3,340 $48.70 $8,444 $6,680
94573 Rutherford $3,190 $46.60 $8,064 $6,380
94574 St. Helena $2,950 $43.00 $7,458 $5,900
94576 Deer Park $2,950 $43.00 $7,458 $5,900
94599 Yountville $3,250 $47.40 $8,216 $6,500

At 70% instead of 38%

  Monthly  Income
ZIP Town Rent Monthly Income/Hour Before Taxes After Taxes
95401 Santa Rosa $2,840 $29.58 $5,129 $4,057
95403 Santa Rosa $2,910 $30.32 $5,255 $4,157
95404 Santa Rosa $2,730 $28.45 $4,931 $3,900
95405 Santa Rosa $3,120 $32.53 $5,636 $4,457
95409 Santa Rosa $3,240 $33.74 $5,850 $4,629
95407 Santa Rosa $2,550 $26.57 $4,604 $3,643
95476 Sonoma $2,860 $29.80 $5,162 $4,086
95431 Eldridge $2,690 $28.04 $4,859 $3,843
95452 Kenwood $2,920 $30.41 $5,273 $4,171
95448 Healdsburg $2,920 $30.41 $5,273 $4,171
95425 Cloverdale $2,470 $25.74 $4,463 $3,529
95441 Geyserville $2,470 $25.74 $4,463 $3,529
95442 Glen Ellen $2,510 $26.15 $4,533 $3,586
95492 Windsor $3,070 $31.97 $5,543 $4,386
95439 Fulton $2,950 $30.74 $5,327 $4,214
95444 Graton $2,640 $27.52 $4,767 $3,771
95472 Sebastopol $2,640 $27.52 $4,767 $3,771
95465 Occidental $2,470 $25.74 $4,463 $3,529
95436 Forestville $2,470 $25.74 $4,463 $3,529
95462 Monte Rio $2,470 $25.74 $4,463 $3,529
95486 Villa Grande $2,470 $25.74 $4,463 $3,529
95471 Rio Nido $2,470 $25.74 $4,463 $3,529
95446 Guerneville $2,470 $25.74 $4,463 $3,529
94928 Rohnert Park $3,100 $32.30 $5,598 $4,429
94931 Cotati $2,470 $25.74 $4,463 $3,529
94952 Petaluma $2,990 $31.16 $5,401 $4,271
94954 Petaluma $3,430 $35.72 $6,194 $4,900
94951 Penngrove $2,610 $27.20 $4,713 $3,729
95450 Jenner $2,840 $29.58 $5,129 $4,057
94923 Bodega Bay $2,470 $25.74 $4,463 $3,529
94922 Bodega $2,550 $26.57 $4,604 $3,643
95497 The Sea Ranch $2,470 $25.74 $4,463 $3,529
95480 Stewarts Point $2,470 $25.74 $4,463 $3,529
95421 Cazadero $2,470 $25.74 $4,463 $3,529
95412 Annapolis $2,470 $25.74 $4,463 $3,529
94503 American Canyon $3,710 $38.68 $6,700 $5,300
94508 Angwin $2,520 $26.25 $4,551 $3,600
94515 Calistoga $2,690 $28.04 $4,859 $3,843
94558 Napa $3,470 $36.14 $6,268 $4,957
94559 Napa $3,260 $33.95 $5,883 $4,657
94562 Oakville $3,320 $34.59 $5,994 $4,743
94567 Pope Valley $3,340 $34.80 $6,030 $4,771
94573 Rutherford $3,190 $33.22 $5,762 $4,557
94574 St. Helena $2,950 $30.74 $5,327 $4,214
94576 Deer Park $2,950 $30.74 $5,327 $4,214
94599 Yountville $3,250 $33.86 $5,867 $4,643

 

      38% 50% 70%
ZIP Town Rent/Mth Income/Hr Monthly
Before
Income/Hr Monthly
Before
Income/Hr Monthly
Before
95401 Santa Rosa 2,840 54.62 9,467 41.43 7,183 29.58 5,129
95403 Santa Rosa 2,910 55.96 9,700 42.50 7,357 30.32 5,255
95404 Santa Rosa 2,730 52.50 9,100 39.80 6,901 28.45 4,931
95405 Santa Rosa 3,120 60.00 10,400 45.50 7,887 32.53 5,636
95409 Santa Rosa 3,240 62.31 10,800 47.30 8,191 33.74 5,850
95407 Santa Rosa 2,550 49.04 8,500 37.20 6,446 26.57 4,604
95476 Sonoma 2,860 55.00 9,533 41.70 7,230 29.80 5,162
95431 Eldridge 2,690 51.73 8,967 39.30 6,800 28.04 4,859
95452 Kenwood 2,920 56.15 9,733 42.60 7,382 30.41 5,273
95448 Healdsburg 2,920 56.15 9,733 42.60 7,382 30.41 5,273
95425 Cloverdale 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95441 Geyserville 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95442 Glen Ellen 2,510 48.27 8,367 36.60 6,345 26.15 4,533
95492 Windsor 3,070 59.04 10,234 44.80 7,761 31.97 5,543
95439 Fulton 2,950 56.73 9,833 43.00 7,458 30.74 5,327
95444 Graton 2,640 50.77 8,800 38.50 6,674 27.52 4,767
95472 Sebastopol 2,640 50.77 8,800 38.50 6,674 27.52 4,767
95465 Occidental 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95436 Forestville 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95462 Monte Rio 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95486 Villa Grande 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95471 Rio Nido 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95446 Guerneville 2,470 47.50 8,233 36.10 6,244 25.74 4,463
94928 Rohnert Park 3,100 59.62 10,334 45.20 7,837 32.30 5,598
94931 Cotati 2,470 47.50 8,233 36.10 6,244 25.74 4,463
94952 Petaluma 2,990 57.50 9,967 43.60 7,559 31.16 5,401
94954 Petaluma 3,430 65.96 11,433 50.00 8,671 35.72 6,194
94951 Penngrove 2,610 50.19 8,700 38.10 6,598 27.20 4,713
95450 Jenner 2,840 54.62 9,467 41.43 7,183 29.58 5,129
94923 Bodega Bay 2,470 47.50 8,233 36.10 6,244 25.74 4,463
94922 Bodega 2,550 49.04 8,500 37.20 6,446 26.57 4,604
95497 The Sea Ranch 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95480 Stewarts Point 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95421 Cazadero 2,470 47.50 8,233 36.10 6,244 25.74 4,463
95412 Annapolis 2,470 47.50 8,233 36.10 6,244 25.74 4,463
94503 American Canyon 3,710 71.35 12,367 54.10 9,379 38.68 6,700
94508 Angwin 2,520 48.46 8,400 36.80 6,371 26.25 4,551
94515 Calistoga 2,690 51.73 8,967 39.30 6,800 28.04 4,859
94558 Napa 3,470 66.73 11,567 50.70 8,772 36.14 6,268
94559 Napa 3,260 62.69 10,866 47.60 8,241 33.95 5,883
94562 Oakville 3,320 63.85 11,067 48.40 8,393 34.59 5,994
94567 Pope Valley 3,340 64.23 11,133 48.70 8,444 34.80 6,030
94573 Rutherford 3,190 61.35 10,634 46.60 8,064 33.22 5,762
94574 St. Helena 2,950 56.73 9,833 43.00 7,458 30.74 5,327
94576 Deer Park 2,950 56.73 9,833 43.00 7,458 30.74 5,327
94599 Yountville 3,250 62.50 10,833 47.40 8,216 33.86 5,867

FICA (Social Security + Medicare = 7.65%)
California SDI (~1%)
 payroll withholding includes SDI unless you explicitly exclude it.
2026 standard deduction = $30,600 (MFJ)
IRS inflation estimate.

SOURCE: https://www.pressdemocrat.com/2026/07/30/how-much-you-need-to-earn-to-afford-rent-in-46-sonoma-and-napa-county-zip-codes-in-2026/

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