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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