City · 73,327 residents · Placer County, California
Rocklin, California
In Rocklin, a typical home is worth $703,400 and typical rent is $2,258 a month. Compared with all of Placer County, typical rent is 9% higher, typical household income is 7% higher, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $663,009 to $688,043.
Typical rent
$2,408a month
▲ 1.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,218 to $2,408.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rocklin is in Placer County. The FHA loan limit ($764,750 for a one-unit home), the fair market rents and the help on this page are those of all of Placer County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Citrus Heights, the typical home value is $454,600: 35% less than in Rocklin ($703,400).
2
Nearby, in Loomis, the typical rent is $1,702: 25% less than in Rocklin ($2,258).
3
68% of households in Rocklin own their home, against 75% in Placer County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rocklin
What homes there are in Rocklin, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Rocklin
Placer County
California
United States
Kind of home: Rocklin and its comparisons
Measure
Rocklin
Placer County
California
United States
Detached house
72%
78%
57%
61%
Attached house
3%
3%
7%
6%
Building of 2 to 4
6%
5%
8%
8%
Apartments (5 or more)
17%
11%
24%
19%
Mobile home
2%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Rocklin, 7 in 10 homes are single-family detached houses; in Placer County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Rocklin
Placer County
California
United States
Year built: Rocklin and its comparisons
Measure
Rocklin
Placer County
California
United States
Before 1960
2%
8%
27%
26%
1960–1979
13%
20%
29%
24%
1980–1999
39%
33%
25%
25%
2000–2009
28%
25%
11%
14%
2010 or later
18%
15%
8%
11%
Here half of the homes date from 1998 or later; in Placer County, from 1994 or later.
By size, homes in Rocklin look like those in Placer County: 72% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200KUnreliable
$200K–$300K1%
$300K–$500K9%
$500K–$750K43%
$750K–$1M28%
$1M or more14%
Value of owner-occupied homes: Rocklin and its comparisons
Measure
Rocklin
Under $100K
3%
$100K–$200K
Unreliable estimate
$200K–$300K
1%
$300K–$500K
9%
$500K–$750K
43%
$750K–$1M
28%
$1M or more
14%
Monthly rent with utilities
Unreliable estimate
Under $5006%
$500–$999Unreliable
$1,000–$1,4999%
$1,500–$1,99916%
$2,000–$2,49933%
$2,500–$2,99917%
$3,000 or more17%
Monthly rent with utilities: Rocklin and its comparisons
Measure
Rocklin
Under $500
6%
$500–$999
Unreliable estimate
$1,000–$1,499
9%
$1,500–$1,999
16%
$2,000–$2,499
33%
$2,500–$2,999
17%
$3,000 or more
17%
With a mortgage
$3,063 a month
Placer County: $2,984 a month
Without a mortgage
$952 a month
Placer County: $939 a month
Owners with a mortgage
75%
Placer County: 70%
In Rocklin, 75% of owners have a mortgage; their typical cost is $3,063 a month, about the same as in Placer County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rocklin+46%
Placer County+46%
California+46%
United States+53%
Typical rent
Rocklin+35%
Placer County+34%
California+36%
United States+33%
Typical household income
Rocklin+26%
Placer County+29%
California+32%
United States+29%
Change since 2015–2019: Rocklin and its comparisons
Measure
Rocklin
Placer County
California
United States
Typical home value
+46%
+46%
+46%
+53%
Typical rent
+35%
+34%
+36%
+33%
Typical household income
+26%
+29%
+32%
+29%
The typical home value in Rocklin rose 46% since 2015–2019, about the same as in Placer County (46%).
Rents in Rocklin rose at about the same pace as in Placer County: 35% since 2015–2019, against 34%.
Here income did not keep up with housing: it rose 26%, while home values changed +46% and rent +35%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rocklin and its comparisons
Measure
Rocklin
Placer County
California
United States
Rental vacancy
Unreliable estimate
4.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.8%
0.9%
More than one person per room
2.9%
2.6%
8.2%
3.4%
People per household
2.78
2.62
2.84
2.53
Drive alone
68%
68%
66%
69%
Carpool
5%
6%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
2%
2%
3%
3%
Work from home
24%
23%
17%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 2.9% of households in Rocklin live, near the figure in Placer County (2.6%).
Households in Rocklin are bigger: 2.78 people on average; in Placer County, 2.62.
In Rocklin, 68% of workers drive alone to work; in Placer County, 68%.
Do the math
What would you pay each month for a home in Rocklin?
A typical home costs more than the typical income allows
We start with a typical home in Rocklin, worth $703,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Rocklin, which is $124,168 a year. For that payment to be 28% of income, a household would need to earn about $249,022 a year.
The calculator's FHA and conventional loan limits are those of all of Placer County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Rocklin. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $24,619 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,811
at 7.18% · 30 years
Loan amount
$690,660
Total interest
$993,697
Paid off in
November 2056
Includes $11,879 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,897 a month
Tight
$2,897 to $3,725 a month
Hard
more than $3,725 a month
Your payment · 56%
Compared with the typical household income in Rocklin ($124,168 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,679
Property tax
$528
Home insurance
$293
FHA mortgage insurance (MIP)
$311
You need at least $24,619 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,811; principal and interest $4,679.
The city and its county
Rocklin and Placer County
Rocklin is in Placer County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Rocklin
Map of Placer County, California, with Rocklin marked. Around it, the neighboring counties.
Rocklin
Placer County
Other cities with a page
Rocklin's own numbers
Typical home value
$703,400
Typical monthly rent
$2,258
Typical yearly household income
$124,168
Households that own their home
68%
Effective property tax rate
0.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Placer County
FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,201
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
0.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Placer County.
A typical home in Rocklin is worth $703,400: 2% above the county and 4% below California. With the typical household income in Rocklin ($124,168 a year), a typical home costs 5.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Rocklin5.7 years
Placer5.9 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Placer County
According to FHFA’s house price index, home prices in Placer County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Placer County.
Yearly change in FHFA’s price index in Placer County, 2016 to 2025
2016: +6.7% +6.7% 2016
2017: +7.5% +7.5% 2017
2018: +5.7% +5.7% 2018
2019: +4.0% +4.0% 2019
2020: +2.4% +2.4% 2020
2021: +14.7% +14.7% 2021
2022: +13.4% +13.4% 2022
2023: −1.7% −1.7% 2023
2024: +3.4% +3.4% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in Placer County, California and the United States
Period
County
California
U.S.
Last year (2025)
+0.9%
+0.8%
+2.9%
5 years (2020–2025)
+34%
+40%
+47%
10 years (2015–2025)
+72%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Rocklin next to Placer County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Rocklin$703,400
Placer$688,100
California$734,700
United States$332,700
Typical monthly rent
Rocklin$2,258
Placer$2,069
California$2,036
United States$1,413
Typical yearly household income
Rocklin$124,168
Placer$115,998
California$99,122
United States$80,734
See the full table
Rocklin next to Placer County and California
Measure
Rocklin
Placer County
California
U.S.
Typical home value
$703,400 ▲2% above the county
$688,100
$734,700
$332,700
Typical monthly rent
$2,258 ▲9% above the county
$2,069
$2,036
$1,413
Typical yearly household income
$124,168 ▲7% above the county
$115,998
$99,122
$80,734
Households that own their home
68% ▼6 points below the county
75%
56%
65%
Typical yearly property tax
$6,349 ▲9% above the county
$5,812
$5,124
$3,119
Effective property tax rate
0.9% ▲0.06 points above the county
0.84%
0.7%
0.94%
Renters with high rent for their income
60% ▲2 points above the county
58%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Placer County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Rocklin
For a typical $703,400 home in Rocklin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rocklin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,811a month
Least cash to close
Down payment
$24,619
Cash to close
$45,721
Rate
7.18%
Mortgage insurance
FHA MIP · $311
Conventional, 5% down$5,682a month
Down payment
$35,170
Cash to close
$56,272
Rate
7.18%
Mortgage insurance
PMI · $334
Conventional, 20% down, no PMI$4,633a month
Down payment
$140,680
Cash to close
$161,782
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,283a month
Down payment
$105,510
Cash to close
$126,612
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rocklin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,811
$24,619
$690,660
7.18%
FHA MIP · $311
$45,721
580
Conventional, 5% down
$5,682
$35,170
$668,230
7.18%
PMI · $334
$56,272
620*
Conventional, 20% down, no PMI
$4,633
$140,680
$562,720
7.18%
None
$161,782
620*
ITIN, 15% down (example)
$5,283
$105,510
$597,890
8.18%
None
$126,612
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Rocklin is $2,258 a month: 9% above the county. In Rocklin, 60% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Placer County, by unit size. To pay the 2-bedroom one ($2,201 a month) without spending more than 30% of your income, you would need to earn $42.33 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Placer County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,742
$33.50
$69,680
1 bedroom
$1,793
$34.48
$71,720
2 bedrooms
$2,201
$42.33
$88,040
3 bedrooms
$2,887
$55.52
$115,480
4 bedrooms
$3,329
$64.02
$133,160
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Rocklin
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rocklin has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,690 in 95677 to $2,850 in 95765.
2 of the 2 are above the fair market rent for Placer County ($2,201).
Fair market rent by ZIP code and size in Rocklin, fiscal year 2027.
95677
$2,130
$2,190
$2,690
$3,530
$4,070
95765
$2,260
$2,320
$2,850
$3,740
$4,310
ZIP code2 bd3 bd
95677 $2,690$3,530
95765 $2,850$3,740
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rocklin when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 12 buildings with rents for lower incomes in Rocklin. These are the largest.
Villa Serena at Stanford Ranch101 Villa Serena Cir, Rocklin 95765236 homes, 235 low-income · 1 bd: 144 · 2 bd: 92 · In service since 1999 · For older adults
Whitney Ranch Apts711 University Ave, Rocklin 95765156 homes, 155 low-income · 1 bd: 36 · 2 bd: 72 · 3 bd: 48 · In service since 2010 · For families
Stanford Court3220 Santa Fe Way, Rocklin 95765120 homes, 119 low-income · 1 bd: 32 · 2 bd: 88 · In service since 2004 · For older adults
Oaks at Sunset201 Sammy Way, Rocklin 95765112 homes, 111 low-income · 1 bd: 8 · 2 bd: 40 · 3 bd: 48 · 4 bd: 16 · In service since 2002 · For families
Sunset Street Apts3655 Sunset Blvd, Rocklin 95677104 homes, 102 low-income · 1 bd: 52 · 2 bd: 48 · 3 bd: 4 · In service since 2009
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Placer County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Rocklin or Placer County. The ones below are statewide in California: they work in Rocklin the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Rocklin or Placer County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Rocklin and all of Placer County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Rocklin?
The typical home value in Rocklin is $703,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Placer County it is $688,100.
How much does it cost to rent in Rocklin?
Typical rent in Rocklin is $2,258 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Placer County is $2,201.
What is the FHA loan limit in Rocklin?
Rocklin uses the FHA limit for all of Placer County (2026): $764,750 for a one-unit home and $1,470,700 for a four-unit home.
How much property tax do owners pay in Rocklin?
The typical homeowner in Rocklin pays $6,349 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Placer County, the rate is 0.84%.
Where can I find free help to buy or rent in Rocklin?
We found no HUD-approved counseling agencies with an office in Placer County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
