Total monthly cost of ownership
Cost to Own a Home in Roseville, Minnesota
A $335,000 home here costs
$2,719per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,722. The real number is $996 higher every month — 58% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Roseville against Ramsey County and Minnesota
| Measure | Roseville | Ramsey County |
|---|---|---|
| Median home value | $334,800 | $304,900 |
| Median property tax | $4,215 | $3,767 |
| Effective tax rate | 1.259% | 1.235% |
| Median gross rent | $1,346 | $1,298 |
| Population | 35,905 | 544,438 |
The weather behind that power bill
Roseville sits in Ramsey County, which averages a high of 82.7°F in its hottest month and a low of 8.3°F in its coldest, with 33.11" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 790 cooling and 7,327 heating degree days, which is what sets the $152 electricity line above.
See the full climate breakdown for Ramsey County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ramsey County
Full Ramsey County cost breakdown · Every county in Minnesota
Common questions
How much does it cost to own a home in Roseville?
A $335,000 home in Roseville, Minnesota costs approximately $2,719 per month with 20% down at 6.66%. That is $1,722 principal and interest, $351 property tax, $145 homeowners insurance, $220 utilities and $279 set aside for maintenance.
What is the property tax rate in Roseville?
Roseville has an effective property tax rate of 1.259%, based on a median home value of $334,800 and median real estate taxes of $4,215. That is higher than the Ramsey County average of 1.235%.
What is the average home price in Roseville?
The median owner-occupied home value in Roseville, Minnesota is $334,800, against $304,900 across Ramsey County.
Is it cheaper to rent or buy in Roseville?
Median gross rent in Roseville is $1,346 a month, against $2,719 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Roseville — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Minnesota.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.