95401, Santa Rosa, CA

The Santa Rosa zip code 95401 has a population of around 153,000 people and is located in Sonoma County. The median home value in this zip code is $1,010,000 which is significantly higher than the national median home value of $177,500. This high home value may be partially due to the fact that the Santa Rosa area is known for its wine production.

In terms of home equity, homeowners in the Santa Rosa zip code have an average equity balance of around $253,000. This means that homeowners in this zip code are able to borrow an average of around 97% of their homes' value. In addition, homeowners in this zip code have an average loan-to-value ratio (LTV) of 97%. This high LTV indicates that borrowers in this zip code are likely to be able to afford their loans without having to take on too much extra debt.

Overall, it appears that homeowners in the Santa Rosa area are very confident about their ability to repay their mortgages. This confidence may be due to the high home values and strong LTVs found in this zip code.