Roseville condo prices by ZIP code
Redfin reports sale prices by property type for each ZIP code as a rolling three-month figure. The table uses the period ending September 2026. With so few condo sales, one unusual unit can move a median by tens of thousands of dollars, so treat these as a starting range rather than a value for a specific unit.
| ZIP | Condo median sale price | Change in a year | Price per sq ft | Condos sold (3 months) | Median days to sell | Single-family median |
|---|---|---|---|---|---|---|
| 95678 | $324,490 | -17.5% | $330 | 10 | 21 | $569,856 |
| 95661 | $362,489 | -7.1% | $373 | 2 | 36 | $714,820 |
| 95747 | $374,989 | +5.6% | $331 | 3 | 36 | $654,835 |
Redfin also tracked four townhouse sales in 95678 at a median of $518,996, which shows how wide the gap is between a stacked or garden-style condo and a two-story townhome with its own entry. For a wider benchmark, Redfin's Placer County condo median was $599,455 for the single month of September 2026, on 40 sales with a median of 89 days on market. That county figure covers everything from the Roseville suburbs to the Lake Tahoe shore, so it says little about Roseville itself. Compare the ZIP figures above with ZIP data on the 95678, 95661 and 95747 pages.
Best areas to buy a condo in Roseville
Roseville is mostly detached houses. The Census Bureau counts 61,242 homes in the city (ACS 2020-2024): 75.2% are single-family detached, 3.4% are single-family attached such as townhomes, and 15.5% are in buildings with five or more units. Many of those larger buildings are rental apartments, not condos, so the choice of condos is narrower than the unit count suggests. These are the parts of the city where attached homes are concentrated.
Central Roseville and the Vernon Street area (95678)
ZIP 95678 had the most condo sales of the three Roseville ZIPs (10 in three months) and the lowest median, $324,490, down 17.5% on a year earlier. It also has the largest stock of attached and multi-unit housing: 1,231 single-family attached homes and 3,536 units in buildings of five or more, and 44.9% of its households rent. The older core around Vernon Street Town Square and the Capitol Corridor station at 201 Pacific Street is here. Some older streets along Dry Creek sit in mapped floodplain, so check the FEMA flood map for the exact building.
East Roseville along Douglas Boulevard (95661)
ZIP 95661 holds 3,043 units in buildings of five or more and 560 attached single-family homes, yet only two condos sold there in the three months to September 2026, at a median of $362,489. The area is close to the Kaiser Permanente medical campus at Rocky Ridge Drive and Douglas Boulevard, Sutter Roseville Medical Center on Roseville Parkway, and the Westfield Galleria and Fountains shopping centers. With so few sales, ask for every sale in the same complex over the past two years before you set a price.
West Roseville and the newer specific plans (95747)
In west Roseville, ZIP 95747 is the city's newest and most owner-occupied area: 80.9% of households own their home, and the median home was built in 2006 (ACS 2020-2024). Condos are rare here, with three sales in three months at a median of $374,989. The city's Creekview Specific Plan defines its high-density land as space for attached housing such as courtyard townhomes and condominiums, so new attached product may appear as these plans build out. Newer homes here usually carry Mello-Roos special taxes, covered below.
Townhomes as a middle option in Roseville
If a condo feels too small and a house too expensive, a townhome may fit. Redfin's 95678 townhouse median of $518,996 sat about $194,500 above the condo median and about $51,000 below the single-family median. Townhomes in a planned development are often financed differently from condos, because the owner holds the land under the unit, so ask your lender which rules apply.
Age-restricted homes in Roseville
If you are 55 or older, Sun City Roseville offers 3,110 homes with golf, a lodge and fitness center under one association. It is a different product from a condo, with its own age rules and fees. Compare it on our Roseville 55+ communities page.
Is it wise to buy a condo in Roseville now?
On price alone, a Roseville condo can cost less per month than renting. At Freddie Mac's 7.24% average rate for the week of October 29, 2026, a $324,490 condo with 20% down has principal and interest of about $1,769 a month. Zillow's typical Roseville rent was $2,521 in September 2026. Add HOA dues, property tax of about $284 a month and an HO-6 policy, then compare. Whether it is wise depends on the building, because three California rules can turn a cheap unit into an expensive one.
Balcony and walkway inspections in Roseville condos
Most California condo associations must have elevated wood balconies, decks and walkways inspected on a set cycle, and repairs can lead to special assessments. Ask the seller for the latest inspection report and any repair schedule. Our California balcony inspection law guide covers the rule.
HOA reserves and special assessments
Associations must keep a reserve study and report how well the reserves are funded in the annual budget. In an older 1980s or 1990s Roseville complex, look at roofs, paving and plumbing in the reserve study, since those are the big-ticket items. A low funded percentage raises the chance of a special assessment. The California HOA laws guide lists the documents you are entitled to.
Insurance on a Roseville condo
The association's master policy covers the building; you buy an HO-6 policy for the interior. Ask for the master policy's declarations page and its deductible, because owners can be assessed for it after a claim. If the association's insurer has not renewed, the building may be on the California FAIR Plan. Our homeowners insurance guide explains the options.
Financing a Roseville condo: conventional, FHA and VA
A lender approves the project as well as the buyer. A building that fails the rules is non-warrantable and usually needs a portfolio loan with a larger down payment.
Conventional loans and warrantability
Fannie Mae's Selling Guide lists project types it will not buy loans in. Examples include projects in need of critical repairs, projects where one entity owns more than 20% of the units in a project of 21 or more units, and projects where more than 35% of the space is commercial. A failed balcony inspection or deferred maintenance can trigger the critical-repairs rule, so get the HOA documents to your lender early.
FHA loans for Roseville condos
An FHA loan needs an FHA-approved project or a Single-Unit Approval. HUD says a unit can qualify for Single-Unit Approval if the project is not FHA-approved, is complete, has at least five units and meets the other criteria. Search approved projects on HUD's FHA condominium page.
VA loans for Roseville condos
A VA loan needs the condo project to be on VA's approved list. Check the VA condo report before you offer, and ask your lender how long a new approval would take if the project is not listed.
Condo fees and costs in Roseville
Ask for the current HOA dues, the last two budgets and the special assessment history. Check what the dues include, since some associations pay water, sewer and trash on a master meter. For a single-family home, the City of Roseville's typical combined water, wastewater and waste bill is $153.82 a month for fiscal year 2026-27, which gives you a sense of what those services cost if your unit is billed separately.
- Property tax. Prop 13 sets the base at 1% of your price, plus local bonds. In one west Roseville tax rate area, TRA 005-073, the FY 2025-26 rate was 1.073494%. On a $324,490 purchase, after the $7,000 homeowners' exemption, that is about $3,408 a year. See the Placer County property tax guide.
- Mello-Roos. Newer Roseville neighborhoods sit in Community Facilities Districts that add special taxes to the bill. Read the Notice of Special Tax in your disclosures and our Mello-Roos guide.
- Electricity. Roseville Electric, the city-owned utility, serves the city. Its residential rate from July 1, 2026 is a $30 monthly service charge plus $0.1469 per kWh for the first 500 kWh and $0.1912 after that.
- Closing costs. Placer County's documentary transfer tax is $1.10 per $1,000 of price. HOA transfer and document fees are extra. See California closing costs.
The Roseville cost of living page covers everyday bills.
Roseville condo buyer checklist
- Pull every sale in the same complex for the last two years; ZIP medians rest on very few sales.
- Get the HOA package: CC&Rs, budget, reserve study, minutes and insurance declarations.
- Ask for the balcony and walkway inspection report and any repair plan.
- Check rental caps and leasing rules, especially if you might rent the unit later.
- Confirm the project is warrantable, or FHA or VA approved if you need those loans.
- Look up the address on the FEMA Flood Map Service Center; older areas along Dry, Linda and Cirby Creeks carry the city's flood history.
- Ask whether the unit is in a CFD and what the special tax will be this year.
A local agent can pull complex-level sales and HOA records; see our featured Roseville agents. For the wider picture, read the Roseville housing market report.