Rent vs buy in Roseville, CA
In Roseville, California, the typical rent is $2,521 /mo and the typical home costs $643,854.
Over 7 years, renting comes out $32k ahead
Today's mortgage rate and a 20% down payment are paired with Roseville's typical rent and home value. Costs balance in year 10.
Clearly labeled opinion showing the math. These are estimates, not quotes. If you change a number, the stamp changes too.
- Amount by which renting is ahead
- $32k after 7 years
- Point where the costs balance
- In year 10 when owning catches up
- Actual cost of owning
- $5,496 each month year 1, against $2,521 rent
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Is it cheaper to rent or buy in Roseville?
Including the money you get back when you sell, renting costs $32,191 less over 7 years. For the first 9 years, renting costs less. In year 10, owning catches up.
Renting. Buying. Net cost so far for each year.
Average rent compared with the mortgage payment in Roseville
Rent and mortgage payments don't tell the whole story. At Roseville's typical price, here are all monthly costs for year 1.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $2,521 | All of it, every month |
| Mortgage payment | $3,510 | $3,094 of it is interest in year 1 |
| Property tax | $456 | 0.85% of the value a year |
| Insurance | $95 | Census median for the city |
| Upkeep | $537 | 1% of the value a year |
| Owning, cash out | $4,598 | $416 of it builds equity |
| Lost return on the down payment | $1,047 | At 8.3% a year, that's what the cash would earn. |
| Buying costs, spread out | $268 | 3.5% of the price over 7 years |
| True cost of owning | $5,496 | Cash spent, minus the equity portion, plus the two items above |
The numbers behind Roseville's result
- Typical value for a homeZillow ZHVI, September 2026
- $643,854
- Typical rent Zillow ZORI, September 2026
- $2,521 each month
- With 20% down, private mortgage insurance is avoided; the engine doesn't model it.
- 20%
- Rate for the mortgageFreddie Mac Primary Mortgage Market Survey (FRED MORTGAGE30US)
- 7.24%
- FHFA house price index, California, 1995 to 2025 for home price growth
- A yearly rate of 5.3%
- Rent growthCPI for rent of a primary residence, with yearly growth from 2006 to 2026
- A yearly rate of 3.5%
- Return on savings: 40% 10-year Treasuries and 60% S&P 500 with dividends, 1928 to 2025, rebalanced yearly
- 8.3% each year
- Property tax dataCensus ACS 2020-2024, Roseville
- On value, the rate is 0.85%.
- Census ACS 2020-2024, Roseville for home insurance data
- $95 /mo
- Maintenance Fannie Mae: low end of 1% to 4%
- Each year, 1% of value.
- Cost estimate: Freddie Mac, 2% to 5% midpoint for buying costs
- 3.5% of the price
- Agent commission plus closing costs for a home sale.
- 6% of the price
What would flip the Roseville result?
Each line marks a change to the 7-year Roseville verdict while everything else stays the same.
Renting is better when
- Home prices grow by less than 5.9% each year; the model uses California's long-run rate of 5.3%.
- The mortgage rate remains above 6.35%.
- A home like this has monthly rent under $2,870 (typical here: $2,521) in this city.
- Your move comes before year 10.
Buying is better when
- Home prices rise at more than 5.9% a year.
- You secure a mortgage rate below 6.35% (the current rate is 7.24%).
- You'd pay over $2,870 each month to rent the same home.
- You remain in the home for 10 years or more.
Roseville compared with the other 812 cities
| Measure | Roseville | Median city |
|---|---|---|
| Typical home value | $643,854 | $422,451 |
| Typical rent | $2,521 /mo | $1,837 /mo |
| Price-to-rent ratio | 21.3 (#277 of 813) | 18.5 |
| Home prices, last 10 years | 4.7% a year | 6.2% a year |
| Rents, last 5 years | 2% a year | 4% a year |
| Property tax | 0.85% | 0.87% |
| Households that rent | 31% | 42% |
These figures come from Zillow ZHVI and ZORI, Census ACS 2020-2024.
More cities in California
- Renting wins by $111k in Los Angeles, CA.
- Renting wins by $108k in San Diego, CA.
- Renting wins by $210k in San Jose, CA.
- Renting wins by $128k in San Francisco, CA.
- Buying wins by $22k in Fresno, CA.
- Toss-up. In Sacramento, CA, the result is a toss-up, with renting ahead by $3k.
- Renting wins by $111k in Long Beach, CA.
- Renting wins by $44k in Oakland, CA.
- Buying wins by $11k in Bakersfield, CA.
- Rent. Anaheim, CA. Renting leads by $115k.
- Buy. Stockton, CA. Buying leads by $16k.
- Rent. Riverside, CA. Renting leads by $27k.