CALCMONEY // HOME AFFORDABILITY // CA // ROSEVILLE
How much house can you afford in Roseville? Based on local median home prices, current CA mortgage rates, and Roseville property tax data.
$720,000
$4,734/mo
$202,898/yr
$404,420
Monthly housing costs of $4,734 represent 43.0% of Roseville's median gross monthly income ($11,000/mo). At 43.0%, median-income buyers in Roseville are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $720,000 |
| Down Payment (20%) | $144,000 |
| Loan Amount | $576,000 |
| Monthly PI Payment | $3,774 |
| Monthly Property Tax | $660 |
| Monthly Insurance Est. | $300 |
| Total Monthly PITI | $4,734 |
| Housing Cost % of Income | 43.0% |
| Required Income (28% rule) | $202,898/yr |
| Max Affordable Home | $404,420 |
$25,200
$6,005/mo
Roseville Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $720,000 | Roseville city median |
| Down Payment (20%) | $144,000 | Conventional loan |
| Monthly PITI | $4,734 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $202,898 | Annual gross |
| Max Affordable Home | $404,420 | Based on median income |
| FHA Down (3.5%) | $25,200 | Minimum FHA |
| Housing Cost % of Income | 43.0% | Median income: $132,000/yr |
| Property Tax Rate | 1.1% | $7,920/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Roseville is $720,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $576,000, generating a monthly P&I payment of $3,774. Adding property taxes ($660/mo) and homeowners insurance ($300/mo) brings total monthly PITI to $4,734.
Roseville's property tax rate of 1.1% is near the national average, adding a standard increment to monthly housing costs. On the Roseville median home, that is $660/month, or $7,920 per year.
California levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Roseville should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Roseville's median income of $132,000/year can afford up to $3,080/month in total housing costs. Based on Roseville's mortgage rate of 6.85% and property tax rate of 1.1%, that translates to a maximum affordable home price of approximately $404,420 with 20% down on a 30-year loan.
To afford the median Roseville home priced at $720,000, you need an annual gross income of approximately $202,898. Total monthly housing costs (principal and interest of $3,774, property taxes of $660, and insurance of $300) come to $4,734/month, which equals 28% of the required income.
At the median home price of $720,000 and median household income of $132,000, the total monthly housing cost of $4,734 represents 43.0% of gross monthly income. This is well above the standard 28% threshold, making Roseville a challenging market for buyers at median income.
A conventional 20% down payment on the median Roseville home of $720,000 is $144,000. An FHA loan requires just 3.5% down — $25,200 — but adds mortgage insurance of roughly $492/month, bringing total FHA payments to $6,005/month.
Los Angeles
$895,000 median
CASan Diego
$870,000 median
CASan Francisco
$1,200,000 median
CASacramento
$550,000 median