Best Places95409, CA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 95409, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
95409 ranks 4,260th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on clean air by a wide margin, and taxes are the weak spot.
The best neighborhoods in 95409
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
95409's strengths and weaknesses
Where 95409 ranks high
- Air qualityBetter than 96% of zip codes
- BikingBetter than 91% of zip codes
- Household income$121,689 median, better than 90% of zip codes
- Educational attainmentBetter than 89% of zip codes
- Healthcare accessBetter than 89% of zip codes
Where 95409 ranks low
- Low income/sales/gas taxBetter than only 10% of zip codes
- Disaster safetyBetter than only 14% of zip codes
- State fiscal healthBetter than only 20% of zip codes
- Cheap car insuranceBetter than only 22% of zip codes
- State infrastructureBetter than only 26% of zip codes
What it costs to buy a home in 95409
A household needs to earn about $212,000 a year to comfortably buy the median 95409 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $121,689, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 95409's effective rate of 0.72%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 95409
95409 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 95409.
Who works in 95409, and how
Work in 95409 centers on health care & social and manufacturing. Unemployment is close to the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 72%
- Work from home 19%
- Transit, walk, or bike 8%
Life in 95409
95409 has more parkland per resident than 95% of zip codes. The coast is about 36 minutes away. That concentrates in some parts of 95409 and thins out in others, which the map shows.
What the weather is like in 95409, month by month
95409 sees roughly 132 pleasant days a year. July highs average about 86 degrees. January highs sit near 61, with lows near 38. The comfortable stretch runs April through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 61° | 48° | 38° |
| April | 72° | 56° | 42° |
| July | 86° | 65° | 51° |
| October | 81° | 60° | 45° |
Flying in and out of 95409
The nearest airport, Charles M Schulz/Sonoma County, is about 10 miles away and is a small airport. The nearest major hub is San Francisco Bay Oakland International, about 56 miles away.
95409 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 95409 against the other 33,109 zip codes.
Who 95409 suits
Remote workers
Cost of living against local pay beats 76% of zip codes and 19% already work from home.
Retirees
The weather beats 82% of zip codes and health care access beats 89%.
Common questions about living in 95409
Is 95409 a good place to live?
Using BestNeighborhood's default rankings, 95409 ranks 4,260th of 33,110 zip codes. It scores highest on clean air, biking, and high incomes, and lowest on taxes and disaster risk. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 95409 expensive to live in?
The median home is worth $821,724. The overall cost of living runs about 26% above the national average. Set against a $121,689 median income, cost of living beats 76% of zip codes.
Is 95409 safe?
Yes, 95409 is safer than 67% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $275 per resident a year.
What is the weather like in 95409?
July highs average about 86 degrees, and January highs near 61 with lows near 38. That works out to about 132 pleasant days a year, more than 82% of zip codes.
Is 95409 good for families?
Schools beat 59% of zip codes, crime safety beats 67%, and childcare runs $1,041 a month.
Compare 95409 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 95409. Scores are absolute rather than ranked, which means a 60 in 95409 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
95409 detail on BestNeighborhood maps:
- Walk Grade for 95409: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 95409: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 95409: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 95409: carrier by carrier coverage behind the cell score.
95409 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.