The story of this market
The typical home in ZIP 95462 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 $2,574 a month.
ZIP 95462 — Monte Rio
The Monte Rio housing market is currently experiencing a cooling phase, consistent with the broader Santa Rosa metro area. High interest rates and wildfire insurance concerns are tempering buyer demand, leading to a slight decline in median prices and longer days on market. The market remains balanced, with sellers adjusting expectations to meet current buyer affordability constraints.
This ZIP is best suited for nature enthusiasts, second-home buyers, and those seeking a quiet, rural lifestyle away from the urban core of Santa Rosa.
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 4.5% · poverty 8.0% — 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 1.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
ZCTA 95462, Sonoma County CA
The area faces significant wildfire risk common to the Russian River corridor and Sonoma County, impacting insurance availability and premiums.
Economic momentum is driven by the broader Santa Rosa metro area, with limited new development in the rural Monte Rio ZIP code.
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%).
Residents typically face a 30-45 minute drive to Santa Rosa for major employment, relying on winding rural roads like the Bohemian Highway.
The area is defined by the Russian River, offering kayaking, swimming, and access to redwood forests and regional parks.
The rental market is tight with high demand for seasonal and long-term housing, often influenced by the area's popularity as a vacation destination.
The local economy is heavily tied to tourism, hospitality, and the broader Sonoma County agricultural and wine industry.
Public transit is extremely limited; residents are almost entirely dependent on personal vehicles for transportation.
Development is strictly constrained by rural zoning and environmental protections within the Russian River watershed.
The Sonoma County Assessor manages property valuations in accordance with state-mandated assessment cycles and Proposition 13 limits.
Parcels are subject to various local fire protection and school district assessments common to rural Sonoma County.
Property insurance is increasingly difficult to secure and expensive due to high wildfire hazard ratings in the region.
Data derived from ZCTA-level census profiles and Santa Rosa metro market reports.
Primary recreational hub for swimming and boating.
Popular local public beach and community gathering spot.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.