City · 35,802 residents · Ramsey County, Minnesota
Roseville, Minnesota
In Roseville, a typical home is worth $352,100 and typical rent is $1,374 a month. Compared with all of Ramsey County, the typical home value is 8% higher, typical household income is 7% higher, and the share of households that own their home is 6 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $336,464 to $372,359.
Typical rent
$1,553a month
▲ 3% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,434 to $1,553.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Roseville is in Ramsey County. The FHA loan limit ($552,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ramsey County. See the county
What this place has that others do not, from public data, most unusual first.
1
66% of households in Roseville own their home, against 61% in Ramsey County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Roseville
What homes there are in Roseville, 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
Roseville
Ramsey County
Minnesota
United States
Kind of home: Roseville and its comparisons
Measure
Roseville
Ramsey County
Minnesota
United States
Detached house
53%
52%
66%
61%
Attached house
8%
7%
7%
6%
Building of 2 to 4
2%
7%
4%
8%
Apartments (5 or more)
36%
33%
19%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Roseville: 53% of homes, near the figure in Ramsey County (52%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Roseville
Ramsey County
Minnesota
United States
Year built: Roseville and its comparisons
Measure
Roseville
Ramsey County
Minnesota
United States
Before 1960
33%
44%
29%
26%
1960–1979
41%
25%
23%
24%
1980–1999
16%
18%
24%
25%
2000–2009
5%
6%
13%
14%
2010 or later
5%
7%
10%
11%
Here half of the homes date from 1969 or later; in Ramsey County, from 1965 or later.
Much as in Ramsey County, 52% of homes in Roseville have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K11%
$200K–$300K19%
$300K–$500K51%
$500K–$750K11%
FHA limit: $552,000
$750K–$1M3%
$1M or moreUnreliable
Value of owner-occupied homes: Roseville and its comparisons
Measure
Roseville
Under $100K
4%
$100K–$200K
11%
$200K–$300K
19%
$300K–$500K
51%
$500K–$750K
11%
$750K–$1M
3%
$1M or more
Unreliable estimate
By price, most homes in Roseville sit under the FHA limit for Ramsey County ($552,000): about 86%.
Monthly rent with utilities
Under the limitOver the limit
Under $5007%
$500–$9996%
$1,000–$1,49947%
$1,500–$1,99920%
HUD fair market rent, 2 bedrooms: $1,734
$2,000–$2,4999%
$2,500–$2,9993%
$3,000 or more7%
Monthly rent with utilities: Roseville and its comparisons
Measure
Roseville
Under $500
7%
$500–$999
6%
$1,000–$1,499
47%
$1,500–$1,999
20%
$2,000–$2,499
9%
$2,500–$2,999
3%
$3,000 or more
7%
About 70% of rented homes in Roseville cost less than HUD's 2-bedroom fair market rent for Ramsey County ($1,734).
With a mortgage
$2,125 a month
Ramsey County: $1,975 a month
Without a mortgage
$808 a month
Ramsey County: $785 a month
Owners with a mortgage
60%
Ramsey County: 65%
In Roseville, 60% of owners have a mortgage, and their typical cost is $2,125 a month, against $1,975 in Ramsey County. Without one it drops to $808.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Roseville+39%
Ramsey County+42%
Minnesota+47%
United States+53%
Typical rent
Roseville+31%
Ramsey County+32%
Minnesota+31%
United States+33%
Typical household income
Roseville+22%
Ramsey County+26%
Minnesota+25%
United States+29%
Change since 2015–2019: Roseville and its comparisons
Measure
Roseville
Ramsey County
Minnesota
United States
Typical home value
+39%
+42%
+47%
+53%
Typical rent
+31%
+32%
+31%
+33%
Typical household income
+22%
+26%
+25%
+29%
The typical home value in Roseville rose 39% since 2015–2019, less than in Ramsey County (42%).
Rents in Roseville rose at about the same pace as in Ramsey County: 31% since 2015–2019, against 32%.
The typical household income in Roseville rose 22%: less than home values (+39%) and rent (+31%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Roseville and its comparisons
Measure
Roseville
Ramsey County
Minnesota
United States
Rental vacancy
Unreliable estimate
6.1%
5.3%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.6%
0.9%
More than one person per room
Unreliable estimate
4.0%
2.3%
3.4%
People per household
2.20
2.38
2.43
2.53
Drive alone
65%
63%
69%
69%
Carpool
7%
8%
8%
9%
Public transit
Unreliable estimate
4%
2%
3%
Walk or bike
3%
4%
3%
3%
Work from home
23%
21%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.20 on average, against 2.38 in Ramsey County.
To get to work, 65% of workers in Roseville drive alone; in Ramsey County, 63%.
Do the math
What would you pay each month for a home in Roseville?
A typical home costs more than the typical income allows
We start with a typical home in Roseville, worth $352,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Roseville, which is $86,930 a year. For that payment to be 28% of income, a household would need to earn about $128,928 a year.
The calculator's FHA and conventional loan limits are those of all of Ramsey 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 Roseville. 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 $12,324 (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
$3,008
at 7.18% · 30 years
Loan amount
$345,722
Total interest
$497,413
Paid off in
November 2056
Includes $5,946 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,028 a month
Tight
$2,028 to $2,608 a month
Hard
more than $2,608 a month
Your payment · 42%
Compared with the typical household income in Roseville ($86,930 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,342
Property tax
$364
Home insurance
$147
FHA mortgage insurance (MIP)
$156
You need at least $12,324 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 $3,008; principal and interest $2,342.
The city and its county
Roseville and Ramsey County
Roseville is in Ramsey County, Minnesota. 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).
Roseville
Map of Ramsey County, Minnesota, with Roseville marked. Around it, the neighboring counties.
Roseville
Ramsey County
Other cities with a page
Roseville's own numbers
Typical home value
$352,100
Typical monthly rent
$1,374
Typical yearly household income
$86,930
Households that own their home
66%
Effective property tax rate
1.24%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ramsey County
FHA limit, one-unit home
$552,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,734
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
0.5%
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 Ramsey County.
A typical home in Roseville is worth $352,100: 8% above the county and 7% above Minnesota. With the typical household income in Roseville ($86,930 a year), a typical home costs 4.1 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.
Roseville4.1 years
Ramsey4.0 years
Minnesota3.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ramsey County
According to FHFA’s house price index, home prices in Ramsey County rose 70% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ramsey County.
Yearly change in FHFA’s price index in Ramsey County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +6.4% +6.4% 2017
2018: +7.0% +7.0% 2018
2019: +4.4% +4.4% 2019
2020: +3.5% +3.5% 2020
2021: +8.7% +8.7% 2021
2022: +10.0% +10.0% 2022
2023: +3.5% +3.5% 2023
2024: +2.5% +2.5% 2024
2025: +2.9% +2.9% 2025
Change in FHFA’s price index in Ramsey County, Minnesota and the United States
Period
County
Minnesota
U.S.
Last year (2025)
+2.9%
+2.8%
+2.9%
5 years (2020–2025)
+31%
+37%
+47%
10 years (2015–2025)
+70%
+71%
+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
Roseville next to Ramsey County, Minnesota and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Roseville$352,100
Ramsey$326,600
Minnesota$329,300
United States$332,700
Typical monthly rent
Roseville$1,374
Ramsey$1,329
Minnesota$1,280
United States$1,413
Typical yearly household income
Roseville$86,930
Ramsey$81,568
Minnesota$89,062
United States$80,734
See the full table
Roseville next to Ramsey County and Minnesota
Measure
Roseville
Ramsey County
Minnesota
U.S.
Typical home value
$352,100 ▲8% above the county
$326,600
$329,300
$332,700
Typical monthly rent
$1,374 ▲3% above the county
$1,329
$1,280
$1,413
Typical yearly household income
$86,930 ▲7% above the county
$81,568
$89,062
$80,734
Households that own their home
66% ▲6 points above the county
61%
72%
65%
Typical yearly property tax
$4,355 ▲10% above the county
$3,966
$3,357
$3,119
Effective property tax rate
1.24% ▲0.03 points above the county
1.21%
1.02%
0.94%
Renters with high rent for their income
56% ▲5 points above the county
51%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ramsey 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 Roseville
For a typical $352,100 home in Roseville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roseville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,008a month
Least cash to close
Down payment
$12,324
Cash to close
$22,887
Rate
7.18%
Mortgage insurance
FHA MIP · $156
Conventional, 5% down$2,944a month
Down payment
$17,605
Cash to close
$28,168
Rate
7.18%
Mortgage insurance
PMI · $167
Conventional, 20% down, no PMI$2,419a month
Down payment
$70,420
Cash to close
$80,983
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,744a month
Down payment
$52,815
Cash to close
$63,378
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Roseville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,008
$12,324
$345,723
7.18%
FHA MIP · $156
$22,887
580
Conventional, 5% down
$2,944
$17,605
$334,495
7.18%
PMI · $167
$28,168
620*
Conventional, 20% down, no PMI
$2,419
$70,420
$281,680
7.18%
None
$80,983
620*
ITIN, 15% down (example)
$2,744
$52,815
$299,285
8.18%
None
$63,378
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 Roseville is $1,374 a month: 3% above the county. In Roseville, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ramsey County, by unit size. To pay the 2-bedroom one ($1,734 a month) without spending more than 30% of your income, you would need to earn $33.35 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 Ramsey County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,265
$24.33
$50,600
1 bedroom
$1,427
$27.44
$57,080
2 bedrooms
$1,734
$33.35
$69,360
3 bedrooms
$2,264
$43.54
$90,560
4 bedrooms
$2,538
$48.81
$101,520
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 Roseville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Roseville is in ZIP code 55113.
For 2 bedrooms it is $1,760: $26 more than the fair market rent for Ramsey County ($1,734).
Fair market rent by ZIP code and size in Roseville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
55113
$1,280
$1,450
$1,760
$2,300
$2,580
ZIP code2 bd3 bd
55113 $1,760$2,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Roseville 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 8 buildings with rents for lower incomes in Roseville. These are the largest.
Coventry ApartmentsMultiple Building Addresses, Roseville 55113196 low-income homes · 1 bd: 143 · 2 bd: 41 · 3 bd: 12 · In service since 2008 · For older adults
Centennial Gardens East - WestMultiple Building Addresses, Roseville 55113190 homes, 144 low-income · Studio: 2 · 1 bd: 91 · 2 bd: 94 · 3 bd: 2 · 4 bd: 1 · In service since 2010
Roseville Seniors1045 Larpenteur Ave W, Roseville 55113127 low-income homes · For older adults(651) 488-0747
Edison3110 Old Highway 8, Roseville 5511359 low-income homes · 1 bd: 14 · 2 bd: 25 · 3 bd: 20 · In service since 2020 · For people with disabilities, families, people experiencing homelessness
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.
There are 8 HUD-approved agencies with an office in Ramsey County; 5 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Roseville or Ramsey County. The ones below are statewide in Minnesota: they work in Roseville the same as in the rest of the state.
Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage.Offered by Minnesota Housing (Minnesota Housing Finance Agency).
Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up.Offered by Minnesota Housing (Minnesota Housing Finance Agency).
No legal help resource on our list is for Roseville or Ramsey 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 Roseville and all of Ramsey 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 Roseville?
The typical home value in Roseville is $352,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ramsey County it is $326,600.
How much does it cost to rent in Roseville?
Typical rent in Roseville is $1,374 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ramsey County is $1,734.
What is the FHA loan limit in Roseville?
Roseville uses the FHA limit for all of Ramsey County (2026): $552,000 for a one-unit home and $1,061,550 for a four-unit home.
How much property tax do owners pay in Roseville?
The typical homeowner in Roseville pays $4,355 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Ramsey County, the rate is 1.21%.
Where can I find free help to buy or rent in Roseville?
There are 8 HUD-approved counseling agencies with an office in Ramsey County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
