Nick’s Lending.Placer County
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Explore Nick’s Lending

10-year TreasuryYield · Oct 29, 20264.980%
Rates as of Oct 29, 2026Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.
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South Placer · Incorporated city

Get to know Roseville.

Start with downtown, Maidu history and the growing west side, then compare the routes, schools and services around the home you like.

Roseville at a glance

Location
Placer County city along I-80, northeast of Sacramento Source
Ways to compare
Established center, east-side neighborhoods and western growth areas Source
55+ option
Sun City Roseville: 3,110 homes Source
Transit option
Weekday express buses to downtown Sacramento Source

What do homes cost here?

$629,700

Median sale price · Roseville · All home types

Three months ending September 2026 · -0.83% year over year

Redfin reports closed-sale data for this geography and period. A median is the middle sale, not an asking price or an estimate for a particular home. Compare similar properties and neighborhoods before using it as a budget.

Read the market data

Reviewed . Market periods are shown separately. Next resource review due 2027-01-22.

Quick answers

Where can I start exploring Roseville beyond home tours?

Try the Maidu Museum & Historic Site, then choose a city trail or downtown outing. Use Roseville Transit to explore whether a local or commuter service fits your routine.

Does a Roseville address guarantee Roseville Electric service?

No. Confirm the actual service address with Roseville Electric. Postal naming, city boundaries and utility service should not be treated as the same thing.

Sources & further reading

Community resource review: . This date applies to the local resources and answers added to this guide, not to live home inventory, pricing or future project completion.

Jump to a section
A neighborhood in West Roseville.
A neighborhood in West Roseville. Photo credit

Which parts should I compare?

Downtown and Old Town

Start around Vernon Street and the historic center if a town-center setting matters more than a new subdivision. Compare the actual walk to errands and station access, as well as the age and condition of each home.

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WestPark and Fiddyment Farm

These are distinct west Roseville neighborhoods, not interchangeable names for everything west of town. Compare the route from the actual house to work and schools before comparing floor plans.

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Blue Oaks and Quail Glen

Use these two northwest neighborhood names to narrow a broad Roseville search. Look at the surrounding street network and nearby daily errands rather than assuming a shared ZIP code means the same routine.

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Maidu, Johnson Ranch and the east side

Maidu and Johnson Ranch provide useful search anchors east of the central city. Pair a home tour with the places you would use each week; school-district boundaries can differ from the neighborhood label.

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Sun City Roseville

This established 55+ community has Timber Creek and Sierra Pines golf facilities, a fitness center and a lodge. Compare association fees and rules with the amenities you would actually use, rather than treating the purchase price as the whole cost.

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Sierra Vista

The city's approximately 2,064-acre plan lies west of Fiddyment Road and north of Baseline Road. It is a growth-area comparison with planned infrastructure and neighborhoods, not a synonym for Placer Vineyards south of Baseline.

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A feel for everyday life.

Roseville is easier to understand as several daily routines than as one housing market. A visit around Vernon Street and Old Town feels different from a new-home tour in Winding Creek or Sierra Vista. Put the grocery stop, school route and your workplace on the same map before comparing homes across town.

The Maidu Museum & Historic Site introduces the Nisenan Maidu history of this region. It is a useful first stop for learning about the place beyond its subdivisions. For another kind of outing, use the city trail guide or explore downtown alongside the city events calendar.

Roseville Transit offers a way to investigate local and commuter travel without assuming every trip must be driven. Start with its current route and timetable information, then compare the stops and service hours with your actual trip. A map connection alone does not establish a convenient commute.

Roseville Electric is the city-owned electric utility. Confirm that the particular home is in its service area before comparing bills or installing equipment. A postal address and a city boundary are not interchangeable. For newer homes, request the complete tax and assessment information rather than estimating ownership costs from the advertised base price.

Make a visit more than a house tour.

Maidu Museum & Historic Site

Learn about Nisenan Maidu history and plan a museum or historic-site visit.

Explore the details (opens in a new tab)

Roseville Transit

Find current local and commuter routes, stops and service details.

Explore the details (opens in a new tab)

Roseville Electric

Check service and account information for the specific home.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Compare established resale homes with western new construction on condition, layout and recurring charges. The citywide median in this guide is a starting point; it does not price a WestPark home, an east-side property or a 55+ home individually.

Browse Roseville homes on Zillow (opens in a new tab)

Zillow opens separately. Listings, estimates and boundaries are third-party information, not our inventory or a guarantee of value or availability. Check the exact address and terms with your agent.

New construction to explore

Lennar · Centera

The builder advertises all-electric new homes in Roseville. Verify current lots, options, taxes and completion dates directly.

Builder community details (opens in a new tab)

Beazer Homes · Willow at Winding Creek

Published on the builder or master developer website. Verify current lots, pricing, taxes, options and move-in timing directly.

Builder community details (opens in a new tab)

Taylor Morrison · Oakhaven at Winding Creek

Published on the builder or master developer website. Verify current lots, pricing, taxes, options and move-in timing directly.

Builder community details (opens in a new tab)
Explore 6 more builder communities

Taylor Morrison · Mariposa at Winding Creek

Published on the builder or master developer website. Verify current lots, pricing, taxes, options and move-in timing directly.

Builder community details (opens in a new tab)

Tri Pointe Homes · Daydream at Winding Creek

Compare two-story plans in this West Roseville neighborhood. Ask which flexible rooms are included, what is optional and how the homesite affects the final layout.

Builder community details (opens in a new tab)

Tri Pointe Homes · Juniper at Winding Creek

Explore another Tri Pointe neighborhood within Winding Creek. Compare its floor plans with nearby Daydream and Stargaze, then request a full cost breakdown for the specific home.

Builder community details (opens in a new tab)

Tri Pointe Homes · Stargaze at Winding Creek

Review floor plans and the community map before a West Roseville visit. Ask about the actual homesite, construction schedule and special assessments, not just the model home.

Builder community details (opens in a new tab)

Woodside Homes · Summerfield at Sierra Vista

Explore Woodside floor plans in Sierra Vista. Ask for a lot-specific list of included finishes, options, solar arrangements and assessments so your comparison reflects the home you would buy.

Builder community details (opens in a new tab)

Woodside Homes · Wildflower at Winding Creek

Compare Woodside plans within Winding Creek with the other builders in this master plan. Tour the surrounding streets and check which amenities are open versus planned.

Builder community details (opens in a new tab)

New homes in Roseville

See the Roseville new-home hub

Schools and districts

Roseville Joint Union High School District lists Roseville, Oakmont, Woodcreek and West Park high schools, alongside Granite Bay and Antelope in the wider district. Elementary and middle-school districts differ across the area. Eureka Union serves part of east Roseville; Dry Creek and Roseville City school resources are linked below.

School information

Confirm the exact address, current attendance boundary and enrollment with the district. A nearby school is not a guaranteed assignment.

Local services and providers

What does getting around look like?

A timed Sacramento example

The published weekday AM 3 bus schedule leaves Taylor Road/I-80 at 6:10 a.m. and reaches 5th & P at approximately 6:45 a.m.: 35 scheduled minutes between those stops. Add the trip to the park-and-ride and the walk to work. This is not a door-to-door driving estimate.

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Medical centers and the regional connection

Rapid Link connects the Galleria, Sutter Roseville and Kaiser Roseville with Watt/I-80 light rail. The published weekday southbound example departs the Galleria at 7:10 a.m. and arrives at Watt/I-80 at 7:42 a.m., a 32-minute scheduled trip. Check the return departure too.

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What belongs in the ownership budget?

Special taxes are address-specific

Roseville lists Community Facilities Districts and landscape/lighting districts separately. Use the city's property information tool and parcel number to identify the charges; the city links the district documents and annual levy information. Two similarly priced homes can therefore have different tax totals.

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The old tax bill is not the new budget

A change in ownership or completed construction can trigger a supplemental assessment. Keep the seller's current bill as a document to inspect, then estimate the purchase-related tax change separately.

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Compare the address, not just the price.

Bring the listing, tax bill, HOA statement and insurance quote. We can help put the recurring costs beside the loan payment before you compare homes.

Talk through the numbers

What should I check before choosing a home?

  • Compare the school district, utility provider and tax bill for each address.
  • Visit both the established neighborhoods and the western new-home areas before choosing a search boundary.

Visit at more than one time of day. Check insurance availability, utilities, total property charges and commute conditions for the specific address before removing contingencies.

Keep exploring.

Your next move

Make this place feel like yours.

Tell us which communities interest you, what your days look like, and where you could use a hand.

Start a conversation

California homeowners insurance

Homeowners insurance helps protect your home and belongings against covered losses. In California, start checking insurance availability and cost early in a home purchase, and review coverage before renewal. A mortgage preapproval is not confirmation that a particular property can be insured. Compare coverage, exclusions, deductibles and the total cost, then have your lender review the proposed policy.

Explore California insurance guidance

Rate context & assumptions

Dated rate references, not a live quote. Check the rates-as-of date shown with the figures. Review the product-specific assumptions below.

Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.

30-year fixed

Rate 7.161% · APR 7.232%

* Conventional 30-year fixed-rate purchase loan. $650,000 purchase price. $455,000 loan amount. $195,000 down payment (30%). 70% LTV. 780 representative credit score. Owner-occupied single-family residence in California. 360 monthly payments. 30-day rate-lock period.

Pricing shown at par: 0.000 discount points and $0 lender credit. Estimated principal-and-interest payment is $3,076.48 per month. Payment does not include property taxes, homeowners insurance, HOA dues, assessments, or other property-related charges. The actual total monthly payment will be higher. Mortgage insurance is not included because this example assumes 70% LTV.

The illustrative APR assumes $3,200 in prepaid finance charges and an amount financed of $451,800. Actual APR and closing costs depend on the final loan terms and which charges constitute finance charges under applicable law. Rate, APR, fees, and availability are subject to change until locked. All loans are subject to credit, income, asset, property, appraisal, underwriting, and program requirements.

Example as of October 29, 2026 at 6:35 AM Pacific. This is not an approval, offer, guarantee, or commitment to lend.

15-year fixed

Rate 6.411% · APR 6.523%

15-year fixed temporary estimate as of 2026-10-29: 0.750 percentage points below the 30-year conventional reference. Not independently sourced lender pricing.

Illustrative purchase: $650,000 price, $455,000 loan, $195,000 down (30%), 70% LTV, 780 credit score. Owner-occupied California single-family residence; 180 monthly payments; 30-day lock assumption.

At 0.000 points and $0 lender credit, estimated principal and interest is $3,941.31/month. Taxes, insurance, HOA and other property charges are excluded; total payment will be higher.

Modeled APR uses $3,200 prepaid finance charges and $451,800 amount financed over 180 months. This is an estimate, not an offer or commitment. Actual rates, APR and eligibility require individual review.

FHA · 30-year fixed

Rate 6.991% · Modeled APR 7.061%

FHA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

VA · 30-year fixed

Rate 6.839% · Modeled APR 6.908%

VA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

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10-year Treasury · Yield · Oct 29, 2026 · 4.980%