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City · 18,877 residents · Kern County, California

Rosedale , California

In Rosedale, a typical home is worth $608,900. Compared with all of Kern County, typical household income is 94% higher, the typical home value is 80% higher, and the share of households that own their home is 26 points higher.

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  • Typical home value

    $608,900

    80% above the county

    17% below California

    • Rosedale
    • Kern
    • California

  • Typical household income

    $135,966a year

    94% above the county

    37% above California

    • Rosedale
    • Kern
    • California

  • Households that own their home

    86%

    26 points above the county

    30 points above California

    • Rosedale
    • Kern
    • California

Source: U.S. Census Bureau, Average 2020–2024

Rosedale is in Kern County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Kern County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rosedale apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Rosedale is $135,966, 94% more than in Kern County as a whole ($70,210).

  2. The typical home in Rosedale is worth $608,900, 80% more than in Kern County as a whole ($338,300).

  3. 86% of households in Rosedale own their home, against 60% in Kern County.

  4. Nearby, in Oildale, the typical home value is $238,800: 61% less than in Rosedale ($608,900).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Rosedale

What homes there are in Rosedale, 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

The detached house rules in Rosedale: 91% of homes, more than in Kern County (72%).

Year built

Here half of the homes date from 2001 or later; in Kern County, from 1984 or later.

There is more room for a big family here: 92% of homes have 3 bedrooms or more, against 66% in Kern County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,848 a month

Kern County: $1,968 a month

Without a mortgage

$862 a month

Kern County: $631 a month

Owners with a mortgage

71%

Kern County: 66%

In Rosedale, 71% of owners have a mortgage, and their typical cost is $2,848 a month, against $1,968 in Kern County. Without one it drops to $862.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Rosedale does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Kern County the typical home value rose 58%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureRosedaleKern CountyCaliforniaUnited States
Rental vacancy Unreliable estimate3.5%4.2%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate9.8%8.2%3.4%
People per household 3.073.122.842.53
Drive alone 85%78%66%69%
Carpool 5%11%10%9%
Public transit Unreliable estimate0%3%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 9%8%17%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Kern County, a household in Rosedale has 3.07 people on average.

The car rules in Rosedale: 85% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Rosedale?

A typical home costs more than the typical income allows

We start with a typical home in Rosedale, worth $608,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Rosedale, which is $135,966 a year. For that payment to be 28% of income, a household would need to earn about $216,654 a year. Note: at that price the loan is above the FHA limit for Kern County ($541,287), so FHA would not insure it; the payment is only a reference.

The calculator's FHA and conventional loan limits are those of all of Kern County.

Your numbers

Local data
$

Starts at the typical home value in Rosedale. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $21,312 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,055

at 7.18% · 30 years

Loan amount
$597,871
Total interest
$860,196
Paid off in
November 2056

Includes $10,283 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,173 a month

  • Tight

    $3,173 to $4,079 a month

  • Hard

    more than $4,079 a month

    Your payment · 45%

Compared with the typical household income in Rosedale ($135,966 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,055
Principal & interest$4,050
Property tax$482
Home insurance$254
FHA mortgage insurance (MIP)$269

This loan is over the FHA limit

You'd borrow $587,588, but the FHA limit for a one-unit home in Rosedale is $541,287. You'd need a bigger down payment or a different loan.

You need at least $21,312 for the down payment, plus closing costs.

Next step

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.

The city and its county

Rosedale and Kern County

Rosedale is in Kern 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).

Rosedale's own numbers

Typical home value
$608,900
Typical yearly household income
$135,966
Households that own their home
86%
Effective property tax rate
0.95%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Kern County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,656
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
5%

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 Kern County.

Everything about Kern County

Buying

Buying a home in Rosedale

A typical home in Rosedale is worth $608,900: 80% above the county and 17% below California. With the typical household income in Rosedale ($135,966 a year), a typical home costs 4.5 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.

  • Rosedale 4.5 years
  • Kern 4.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kern County

According to FHFA’s house price index, home prices in Kern County rose 88% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kern County.

Period County California U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +51% +40% +47%
10 years (2015–2025) +88% +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

Rosedale next to Kern 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
  • Rosedale $608,900
  • Kern $338,300
  • California $734,700
  • United States $332,700
Typical yearly household income
  • Rosedale $135,966
  • Kern $70,210
  • California $99,122
  • United States $80,734
See the full table
Rosedale next to Kern County and California
Measure Rosedale Kern County California U.S.
Typical home value $608,900 $338,300 $734,700 $332,700
Typical yearly household income $135,966 $70,210 $99,122 $80,734
Households that own their home 86% 60% 56% 65%
Typical yearly property tax $5,803 $2,984 $5,124 $3,119
Effective property tax rate 0.95% 0.88% 0.7% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kern 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 Rosedale

For a typical $608,900 home in Rosedale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rosedale's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,055a month

    Above the FHA limit for Kern County ($541,287)
    Down payment
    $21,312
    Cash to close
    $39,579
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $269

  • Conventional, 5% down $4,944a month

    Least cash to close
    Down payment
    $30,445
    Cash to close
    $48,712
    Rate
    7.18%
    Mortgage insurance
    PMI · $289

  • Conventional, 20% down, no PMI $4,036a month

    Down payment
    $121,780
    Cash to close
    $140,047
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,599a month

    Down payment
    $91,335
    Cash to close
    $109,602
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Rosedale and for Kern County.

Property tax

Effective rate in Rosedale

0.95%of the home’s value each year

$5,803 a year for the typical owner in Rosedale.

  • Rosedale 0.95%
  • Kern 0.88%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Kern County

FEMA does not publish these numbers by city: they are for all of Kern County.

Homes in the high-risk zone
5%
12,851
Of those, with NFIP insurance
20%
County California U.S.
Homes in the high-risk zone 5% 2.8% 3.5%
Of those, with NFIP insurance 20% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rosedale

The Census Bureau publishes no typical rent for Rosedale. Below are the fair market rents for Kern County.

HUD publishes a fair market rent for all of Kern County, by unit size. To pay the 2-bedroom one ($1,656 a month) without spending more than 30% of your income, you would need to earn $31.85 an hour working full time.

HUD fair market rent for all of Kern County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,265 $24.33 $50,600
1 bedroom $1,273 $24.48 $50,920
2 bedrooms $1,656 $31.85 $66,240
3 bedrooms $2,293 $44.10 $91,720
4 bedrooms $2,768 $53.23 $110,720

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 Rosedale

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rosedale is in ZIP code 93314.

For 2 bedrooms it is $2,480: $824 more than the fair market rent for Kern County ($1,656).

  • 93314 $2,480$3,430

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rosedale 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Rosedale

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 Kern County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Rosedale

No down payment, repair or rent-help program on our list is for Rosedale or Kern County. The ones below are statewide in California: they work in Rosedale the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near Rosedale

The HUD-approved agencies closest to the center of Rosedale, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Services and Employment Training, Inc. (CSET)

    312 NW 3rd Ave, Visalia · 66 miles away

    • Fair housing pre-purchase workshops
    • Pre-purchase counseling
    • and 1 more
    (559) 732-4194

  • Self Help Enterprises

    8445 W Elowin Ct, Visalia · 67 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (559) 802-1664

  • Centro Familia Esperanza

    1720 E Los Angeles Ave Ste 216, Simi Valley · 81 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (805) 813-8751

All counseling agencies in California

Help in Spanish near Rosedale

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Rosedale

HUD’s record names them for Rosedale or Kern County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Kern Public housing and Section 8 vouchers (661) 631-8500

All housing agencies in California Source: HUD

Cities

Other cities in Kern County

These cities are also in Kern County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Kern County Housing in California
See 10 more cities in Kern County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Rosedale, with the typical home value.

Neighboring counties

If Kern County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Rosedale.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Rosedale

Short answers with the numbers for Rosedale and all of Kern 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 Rosedale?

The typical home value in Rosedale is $608,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kern County it is $338,300.

What is the FHA loan limit in Rosedale?

Rosedale uses the FHA limit for all of Kern County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Rosedale?

The typical homeowner in Rosedale pays $5,803 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Kern County, the rate is 0.88%.

Where can I find free help to buy or rent in Rosedale?

We found no HUD-approved counseling agencies with an office in Kern County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).