Roseville’s housing market has grown tighter over the past year, with fewer homes available even as more buyers stepped in. Newly released Redfin data for the three months ending August 2026 shows active inventory in the city fell 10% from a year earlier, dropping to 977 listings from 1,086 in the same stretch of 2025. That squeeze came as sales picked up, leaving buyers with fewer choices and less time to act.

A tighter supply picture

At the current sales pace, Roseville has about 1.8 months of supply — the amount of time it would take to sell every home on the market if no new listings appeared. Anything under roughly four months is generally considered a sellers’ market, and Roseville sits well below that threshold. Inventory also eased 4.9% from the three months ending July, when 1,027 homes were listed.

The pullback in supply has coincided with stronger demand. Homes sold rose 10.4% year over year, with 554 transactions compared with 502 in the same period last year. That figure did dip 3.8% from the prior three-month reading of 576 sales, a change consistent with the usual slowdown as summer winds down.

New listings, meanwhile, ran slightly behind last year, at 598 versus 611 — a modest gap, but one that helps explain why the overall pool of available homes has thinned. For longer-term context, active inventory stood at 894 in the three months ending August 2024 and 865 five years ago, meaning today’s supply remains historically limited even after recent years of gradual change.

Prices hold steady as homes sell faster

Even with tighter conditions, prices were nearly flat. The median sale price was $645,573, down 0.7% from $650,000 a year earlier and off 0.8% from the prior period’s $650,750. On a per-square-foot basis, however, prices edged up 1.1%, to $335 from $332 — a sign that the slight dip in the median reflects the mix of homes changing hands rather than broadly falling values.

Homes also moved faster. The median time on market was 23 days, down from 28 days a year ago — nearly a week quicker — though up modestly from 22 days in the prior three-month period. The share of homes selling above their asking price climbed to 33.0% from 27.1% a year earlier, and the typical home sold at 99.6% of its list price, just shy of asking.

Over five years, Roseville’s median price has risen 5.8% from $610,000 in the three months ending August 2021, when homes were selling in a median of just six days at the height of the pandemic-era rush.

Affordability and borrowing costs

For buyers, the math has changed little over the past year despite the shifts in supply and demand. The monthly principal-and-interest payment on a median-priced Roseville home, assuming 20% down and a 30-year fixed loan, works out to about $3,322 — only $5 more per month than a year ago, as the small price decline was offset by a slightly higher mortgage rate.

The 30-year fixed rate averaged 6.67% in August 2026, according to Freddie Mac, up from 6.59% a year earlier and 6.54% in July. At current prices, the median home costs about 5.4 times the median household income of $119,288, per the U.S. Census Bureau — above the 5x threshold economists typically associate with strained affordability. That payment absorbs roughly a third of the median household’s monthly income.

Roseville’s population reached 165,455 as of January 2026, up 2.7% from a year earlier, growth that continues to add demand pressure on a limited housing stock. Nationally, home prices continued to rise modestly, with the S&P/Case-Shiller U.S. National Home Price Index up year over year.

Neighborhood breakdown

The three main Roseville zip codes told notably different stories, both on price and on how quickly homes sold:

  • 95661 was the most expensive and fastest-moving area, with a median sale price of $774,665 — up from $700,000 a year ago — and a median of just 12 days on market, down from 18. It recorded 92 sales against 127 active listings.
  • 95678 was the most affordable, with a median price of $545,764, down from $575,000 a year earlier. Homes there took a median of 22 days to sell, unchanged from last year, across 103 sales and 198 listings.
  • 95747 was the highest-volume zip code, with 408 sales and 753 active listings. Its median price of $664,712 was little changed from $660,000 a year ago, but homes sold considerably faster, in a median of 27 days versus 37 a year earlier.

Across all three areas, the pattern held: homes selling at or near asking, tighter supply, and a pace that continues to favor sellers.