Location: Santa Rosa-Petaluma, CA | Metro: Santa Rosa-Petaluma, CA MSA
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,760 |
| 1 Bedroom | $1,940 |
| 2 Bedrooms | $2,550 |
| 3 Bedrooms | $3,500 |
| 4 Bedrooms | $3,740 |
| 5 Bedrooms | $4,338 |
| 6 Bedrooms | $4,859 |
| 7 Bedrooms | $5,248 |
| 8 Bedrooms | $5,510 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $2,550 | $935,131 | 0.27% | F |
| 3BR | $3,500 | $1,157,063 | 0.3% | F |
| 4BR | $3,740 | $1,330,615 | 0.28% | F |
U.S. Census Bureau data (2024)
The ZIP code 95441 encompasses a portion of Geyserville, California, which is characterized by a relatively small residential community of 1,648 people. With 32.8% of the population being renters, it suggests a mix of homeowners and tenants, indicative of a stable but modest rental market. The median income in the area stands at $126,806, reflecting a higher-than-average earning capacity among residents. This economic strength is further evidenced by the median home value of $1,133,922, placing the neighborhood within the upper echelons of property values in the region.
Turning to the specifics of rental economics, the Fair Market Rent (FMR) for ZIP 95441 as of the fiscal year 2024 is set at $2,030. This figure is notably higher than the reported market rent of $1,647 according to the Census Bureau's American Community Survey (ACS). The discrepancy between the FMR and the actual market rent presents an opportunity for landlords and small-portfolio investors to leverage the government-set rates to potentially increase their rental income.
In considering whether ZIP 95441 suits a hands-off voucher operator or a hands-on value-add buyer, several factors come into play. For a hands-off operator, the higher FMR compared to market rent could mean a steady stream of income without the need for extensive property management, given the area's affluent demographic. However, for a value-add buyer looking to actively manage and improve properties, the gap between FMR and market rent also offers a chance to renovate and reposition units to command rents closer to the FMR, thereby maximizing returns. In conclusion, ZIP 95441 offers both passive income opportunities through Section 8 vouchers and active investment potential for those willing to invest in property improvements.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.