Home Affordability in Roseville, CA
The median home price in Roseville is $580,000 with a median household income of $87,260. Housing is significantly stretched relative to local incomes.
Median Home Price
$580,000
Median Income
$87,260
Price-to-Income Ratio
6.6x
Est. Affordable Home
$339,000
Property Tax Rate
0.68%
Annual Property Tax
$3,944
Sales Tax Rate
8.75%
Cost of Living Index
120
Buying a Home in Roseville
Based on the 28% rule (spending no more than 28% of gross income on housing), a household earning the median income of $87,260 in Roseville can afford a monthly housing payment of approximately $2,036. This translates to a home price of roughly $339,000, which is below the median home price of $580,000 — many households may need a higher income, larger down payment, or should consider more affordable neighborhoods.
Property taxes on a median-priced home in Roseville would be approximately $3,944 per year ($329/month) at the effective rate of 0.68%.
Down Payment Scenarios
| Down Payment | Amount | Loan Amount | PMI Required |
|---|---|---|---|
| 3% | $17,400 | $562,600 | Yes |
| 5% | $29,000 | $551,000 | Yes |
| 10% | $58,000 | $522,000 | Yes |
| 20% | $116,000 | $464,000 | No |
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