The story of this market
The typical home in ZIP 95431 sells for about $710,000, or $445 per square foot.
Prices are down 4.1% from a year ago, which gives buyers more room to negotiate. Homes take about 49 days to sell. HUD's fair market rent for a two-bedroom is $2,534 a month.
ZIP 95431 — Eldridge
The housing market in 95431 is characterized by extremely low volume and rural isolation, making it distinct from the broader Santa Rosa metro area. While Santa Rosa city shows a median sale price of $710,000 with a 4.1% year-over-year decline, 95431 functions as a niche market with limited data points. Market conditions are currently stable, driven by low inventory and a lack of new development.
This ZIP is best suited for those seeking extreme privacy, rural living, or recreational property, rather than commuters or families requiring proximity to urban services.
Median prices moved down 4.1% year over year.
Homes spend a median of 49 days on market with 3.0 months of supply — a fast-moving market.
19% of listings have cut prices · homes sell at 100.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.0% · poverty 10.0% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 95431, Sonoma County CA
Not determinable for this specific ZIP code due to its extremely small population size.
Not determinable; the ZIP code's minimal population does not support local school infrastructure.
The area is subject to high wildfire risk common to rural Sonoma County, necessitating careful insurance planning.
Economic momentum is limited by the ZIP's remote, low-density nature; it serves primarily as a rural enclave rather than a development hub.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Commuting requires significant drive time to reach employment centers in Santa Rosa or the broader North Bay area.
The area is defined by its proximity to rugged coastal terrain, redwood forests, and outdoor recreation opportunities rather than urban amenities.
The rental market is extremely thin due to the lack of housing stock and the rural, isolated nature of the ZIP code.
The local economy is primarily driven by agriculture, tourism, and forestry, with limited commercial employment within the ZIP itself.
Public transit is non-existent; residents rely entirely on private vehicles for transportation.
There are no major residential or commercial development pipelines reported for this rural ZIP code.
The Sonoma County Assessor manages property valuations, adhering to state-mandated assessment cycles and tax laws.
Parcels are subject to standard county-wide levies, including school and community college district taxes.
Property insurance availability is constrained by high wildfire risk, often requiring participation in the California FAIR Plan.
California operates as a non-judicial foreclosure state, with a standard notice-of-default process.
California law requires comprehensive seller disclosures regarding property condition, natural hazards, and environmental issues.
Data retrieved from ZCTA-level census profiles; figures reflect small-sample volatility.
A significant historical site and park located in the broader region serving the area.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.