Total monthly cost of ownership
Cost to Own a Home in Roseville, Ohio
A $83,000 home here costs
$848per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $36,500 a year.
A standard mortgage calculator would have told you $453. The real number is $395 higher every month, 87% more than the payment most buyers budget for.
Compare Muskingum County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Roseville from a five-year rolling sample, and with about 1,940 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Muskingum County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Roseville against Muskingum County and Ohio
| Measure | Roseville | Muskingum County |
|---|---|---|
| Median home value | $83,100 | $170,100 |
| Median property tax | $760 | $1,609 |
| Effective tax rate | 0.915% | 0.946% |
| Median gross rent | $669 | $811 |
| Population | 1,940 | 86,382 |
Roseville extends across 2 counties. Figures here use Muskingum County, where most of its housing sits.
The weather behind that power bill
Roseville sits in Muskingum County, which averages a high of 84.8°F in its hottest month and a low of 21.7°F in its coldest, with 38.57" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 914 cooling and 5,268 heating degree days, which is what sets the $164 electricity line above.
See the full climate breakdown for Muskingum County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Muskingum County
Talk to someone who works this market
These are Roseville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Roseville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Roseville I already own here and may sell
Common questions
How much does it cost to own a home in Roseville?
A $83,000 home in Roseville, Ohio costs approximately $848 per month with 20% down at 7.24%. That is $453 principal and interest, $63 property tax, $31 homeowners insurance, $232 utilities and $69 set aside for maintenance.
What is the property tax rate in Roseville?
Roseville has an effective property tax rate of 0.915%, based on a median home value of $83,100 and median real estate taxes of $760. That is lower than the Muskingum County average of 0.946%.
What is the average home price in Roseville?
The median owner-occupied home value in Roseville, Ohio is $83,100, against $170,100 across Muskingum County.
Is it cheaper to rent or buy in Roseville?
Median gross rent in Roseville is $669 a month, against $848 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Roseville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Roseville, Ohio at today's rate takes a household income of roughly $36,500 a year. That covers the full $848 monthly cost, not just the mortgage payment.
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 Ohio.
- 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.