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City · 22,646 residents · Union County, New Jersey

Roselle , New Jersey

In Roselle, a typical home is worth $379,900 and typical rent is $1,567 a month. Compared with all of Union County, the typical home value is 28% lower and typical household income is 10% lower.

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  • Typical home value

    $379,900

    28% below the county

    16% below New Jersey

    • Roselle
    • Union
    • New Jersey

  • Typical rent

    $1,567a month

    9% below the county

    9% below New Jersey

    • Roselle
    • Union
    • New Jersey

  • Typical household income

    $92,762a year

    10% below the county

    10% below New Jersey

    • Roselle
    • Union
    • New Jersey

  • Households that own their home

    55%

    3 points below the county

    9 points below New Jersey

    • Roselle
    • Union
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$516,443
1.7% more than 12 months ago
Typical rent
$2,495 a month
1.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Roselle is in Union County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Union County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Roselle apart

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

  1. The typical home in Roselle is worth $379,900, 28% less than in Union County as a whole ($529,200).

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

The homes here

Housing in Roselle

What homes there are in Roselle, 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 is the most common home in Roselle: 52% of homes, near the figure in Union County (50%).

Year built

By age, homes in Roselle look like those in Union County: the typical year built is 1955.

There are fewer big homes in Roselle than in Union County: 53% have 3 bedrooms or more, against 59%.

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

$2,734 a month

Union County: $3,203 a month

Without a mortgage

$1,371 a month

Union County: $1,438 a month

Owners with a mortgage

72%

Union County: 67%

In Roselle, 72% of owners have a mortgage, and their typical cost is $2,734 a month, against $3,203 in Union County. Without one it drops to $1,371.

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

The typical home value in Roselle rose 69% since 2015–2019, more than in Union County (44%).

Rents in Roselle rose at about the same pace as in Union County: 33% since 2015–2019, against 34%.

While home values in Roselle changed +69% and rent +33%, the typical household income rose 43%.

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

MeasureRoselleUnion CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.1%3.5%5.5%
Homeowner vacancy Unreliable estimate1.0%0.7%0.9%
More than one person per room 2.4%5.8%4.0%3.4%
People per household 2.682.822.622.53
Drive alone 64%61%62%69%
Carpool 9%9%8%9%
Public transit 10%9%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 10%14%17%15%
Other means 4%4%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.4% of households in Roselle live, less than in Union County (5.8%).

Much as in Union County, a household in Roselle has 2.68 people on average.

To get to work, 64% of workers in Roselle drive alone; in Union County, 61%.

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 Roselle?

A typical home costs more than the typical income allows

We start with a typical home in Roselle, worth $379,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Roselle, which is $92,762 a year. For that payment to be 28% of income, a household would need to earn about $157,967 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Roselle. 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 $13,297 (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

$3,686

at 7.18% · 30 years

Loan amount
$373,019
Total interest
$536,686
Paid off in
November 2056

Includes $6,416 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,164 a month

  • Tight

    $2,164 to $2,783 a month

  • Hard

    more than $2,783 a month

    Your payment · 48%

Compared with the typical household income in Roselle ($92,762 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,686
Principal & interest$2,527
Property tax$833
Home insurance$158
FHA mortgage insurance (MIP)$168

You need at least $13,297 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

Roselle and Union County

Roselle is in Union County, New Jersey. 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).

Roselle's own numbers

Typical home value
$379,900
Typical monthly rent
$1,567
Typical yearly household income
$92,762
Households that own their home
55%
Effective property tax rate
2.63%

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

Numbers for all of Union County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,233
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
3.9%

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 Union County.

Everything about Union County

Buying

Buying a home in Roselle

A typical home in Roselle is worth $379,900: 28% below the county and 16% below New Jersey. With the typical household income in Roselle ($92,762 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.

  • Roselle 4.1 years
  • Union 5.1 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Union County

According to FHFA’s house price index, home prices in Union County rose 84% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +5.5% +6.2% +2.9%
5 years (2020–2025) +58% +63% +47%
10 years (2015–2025) +84% +88% +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

Roselle next to Union County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Roselle $379,900
  • Union $529,200
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Roselle $1,567
  • Union $1,730
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Roselle $92,762
  • Union $103,202
  • New Jersey $103,556
  • United States $80,734
See the full table
Roselle next to Union County and New Jersey
Measure Roselle Union County New Jersey U.S.
Typical home value $379,900 $529,200 $454,400 $332,700
Typical monthly rent $1,567 $1,730 $1,720 $1,413
Typical yearly household income $92,762 $103,202 $103,556 $80,734
Households that own their home 55% 57% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 2.63% 1.89% 2.11% 0.94%
Renters with high rent for their income 50% 51% 52% 51%

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

For a typical $379,900 home in Roselle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roselle's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,686a month

    Least cash to close
    Down payment
    $13,297
    Cash to close
    $24,694
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $168

  • Conventional, 5% down $3,616a month

    Down payment
    $18,995
    Cash to close
    $30,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $180

  • Conventional, 20% down, no PMI $3,050a month

    Down payment
    $75,980
    Cash to close
    $87,377
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,401a month

    Down payment
    $56,985
    Cash to close
    $68,382
    Rate
    8.18%
    Mortgage insurance
    None

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.

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 Roselle and for Union County.

Property tax

Effective rate in Roselle

2.63%of the home’s value each year

$10,001 a year for the typical owner in Roselle.

  • Roselle 2.63%
  • Union 1.89%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Union County

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

Homes in the high-risk zone
3.9%
4,874
Of those, with NFIP insurance
49%
County New Jersey U.S.
Homes in the high-risk zone 3.9% 6.7% 3.5%
Of those, with NFIP insurance 49% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Roselle

Typical rent in Roselle is $1,567 a month: 9% below the county. In Roselle, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Union County, by unit size. To pay the 2-bedroom one ($2,233 a month) without spending more than 30% of your income, you would need to earn $42.94 an hour working full time.

HUD fair market rent for all of Union 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 $1,637 $31.48 $65,480
1 bedroom $1,850 $35.58 $74,000
2 bedrooms $2,233 $42.94 $89,320
3 bedrooms $2,785 $53.56 $111,400
4 bedrooms $3,188 $61.31 $127,520

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 Roselle

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Roselle is in ZIP code 07203.

For 2 bedrooms it is $2,060: $173 less than the fair market rent for Union County ($2,233).

  • 07203 $2,060$2,570

A ZIP code counts for Roselle 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?

Low-income apartments

Low-income apartments in Roselle

HUD lists 7 buildings with rents for lower incomes in Roselle. These are the largest.

  • Oak Park Apartments #05411 1 Garden Dr, Roselle 07203 252 low-income homes · In service since 2005 · For families
  • Oak Park Apartments 1 Garden Dr, Roselle 252 homes, 247 low-income · In service since 2005
  • Roselle Senior 408 Grand St, Roselle 46 low-income homes · In service since 2009
  • Roselle Apartments 141 W 1st Ave, Roselle 07203 6 low-income homes · For people with disabilities
  • First Avenue Project 307 W 1st Ave, Roselle 4 low-income homes · In service since 2012

See all 131 buildings in Union County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Roselle

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 2 HUD-approved agencies with an office in Union County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Roselle

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

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Roselle

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

  • NEIGHBORHOODS FOR A SUSTAINABLE FUTURE fka NHS of Staten Island

    1120 E Saint Georges Ave, Linden · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (908) 808-4035

  • Urban League of Union County

    1139 E Jersey St Ste 515, Elizabeth · 3 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (908) 351-7200

  • Tri-City Peoples Corporation

    675 S 19th St, Newark · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (097) 367-5448

Every agency in Union County All counseling agencies in New Jersey

Help in Spanish near Roselle

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 Roselle

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

6 other authorities have an office in Union County: see the list Source: HUD

Cities

Other cities in Union County

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

Everything about Union County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Union 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 Roselle.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Roselle

Short answers with the numbers for Roselle and all of Union 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 Roselle?

The typical home value in Roselle is $379,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Union County it is $529,200.

How much does it cost to rent in Roselle?

Typical rent in Roselle is $1,567 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Union County is $2,233.

What is the FHA loan limit in Roselle?

Roselle uses the FHA limit for all of Union County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Roselle?

The typical homeowner in Roselle pays $10,001 a year, according to the U.S. Census Bureau. That is 2.63% of the home’s value; in Union County, the rate is 1.89%.

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

There are 2 HUD-approved counseling agencies with an office in Union County. 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).