| Index | Roseville | California | National |
| Cost of living | 154 | 141 | 100 |
| Groceries | 109 | 111 | 100 |
| Health care | 120 | 116 | 100 |
| Housing | 237 | 197 | 100 |
| Transportation | 120 | 118 | 100 |
| Utilities | 124 | 119 | 100 |
| Lifestyle & Entertainment | 119 | 120 | 100 |
| Household Items | 112 | 111 | 100 |
| Education & Childcare | 129 | 127 | 100 |
Understanding the cost of living in Roseville can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Roseville cost of living index is 154, which is 54% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
If affordability is among your top priorities when searching for a new place to live, this area may not be the ideal fit, as the cost of living in Roseville is among the most expensive in the United States. Just a minority of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Roseville falls into this category, which may not align with your goal of finding a budget-friendly living environment.
Housing costs are a major factor in the Roseville cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 136.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Household expenses make up 8% of the total cost of living index score and cover the everyday essentials needed to keep your home running smoothly. These items may include cleaning supplies, laundry detergent, toiletries, clothing basics, and kitchen essentials. In Roseville, you can expect to pay 11.8% more than average for these everyday necessities, making it a more expensive place to live.
The most insightful perspective on a city comes from its residents. We recently surveyed 12 locals to gauge their perception of the cost of living in Roseville. The feedback revealed that 25% of respondents found the cost of living to be reasonable, with prices on the decline, while 75% regarded it as notably expensive with prices that continue to rise.
Is Roseville affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Roseville, the median home price is 161.4% higher than the national average and monthly rent prices are 78.7% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Roseville boasting a median household income of $142,795, 75.6% higher than the national average.
Healthcare: The costs associated with healthcare and insurance premiums can exhibit notable disparities based on the city or state of residence. Access to healthcare facilities, out-of-pocket expenses for medical appointments, dental care charges, prescription medication costs and specialized medical care expenses all contribute to variations in the cost of living. In Roseville, healthcare costs are 19.5% higher than the national average.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Roseville, the utilities index registers at 24.4% higher than the national average.
Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Roseville starts at 7.25% and the income tax rates start at 1%.
The cost of living data for Roseville shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.
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| Health care index | |
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $172,571 | $14,381 | $4,026 | $5,178 |
| Renters | $87,691 | $7,308 | $2,046 | $2,631 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| McClellan Park, CA | 870 | 117 | 16.6% |
| North Highlands, CA | 50,172 | 119 | 18.7% |
| Sheridan, CA | 1,143 | 124 | 23.7% |
| Foothill Farms, CA | 36,977 | 124 | 24.1% |
| East Nicolaus, CA | 177 | 128 | 28.3% |
| Roseville, CA | 143,208 | 154 | 53.5% |
| City | Population | Cost of Living Index | National Avg. |
| Olathe, KS | 143,626 | 106 | 6.0% |
| Miramar, FL | 143,780 | 123 | 23.3% |
| Whitby, ON | 142,607 | n/a | |
| Surprise, AZ | 142,589 | 115 | 15.0% |
| Carrollton, TX | 142,475 | 111 | 11.1% |
| Roseville, CA | 143,208 | 154 | 53.5% |
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