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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $2.7K/month more in Santa Rosa, CA

$150.0K in your current city equals $182.8K in Santa Rosa, CA

Rent data from HUD ZIP-level estimates · COL index from Sacramento-Roseville-Folsom, CA area
Overall Cost
36.4%
More expensive
Monthly Impact
$2,730
Extra cost
Annual Impact
$32.8K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Roseville, CA

Population:159K
Cost Index:
100
100 = national average
Median Home:$652K

Santa Rosa, CA

Population:176K
Cost Index:
136
(36% above avg)
Median Home:$713K

Roseville, CA

The Golden State

159K
Population
State Tax
Yes

Located in California, this city has a population of 159K residents.

Santa Rosa, CA

The Golden State

176K
Population
State Tax
Yes

Located in California, this city has a population of 176K residents.

Cost Breakdown by Category

Annual spending: Roseville, CA vs Santa Rosa, CA

Housing
116.0%
Roseville, CA
$3,212
Santa Rosa, CA
$6,939
Difference
$3,727
more
Transportation
23.1%
Roseville, CA
$1,384
Santa Rosa, CA
$1,703
Difference
$319
more
Other
16.0%
Roseville, CA
$1,761
Santa Rosa, CA
$1,479
Difference
$282
less
All Utilities
23.9%
Roseville, CA
$523
Santa Rosa, CA
$398
Difference
$125
less
Healthcare
2.6%
Roseville, CA
$611
Santa Rosa, CA
$627
Difference
$15.94
more
Groceries
1.5%
Roseville, CA
$1,045
Santa Rosa, CA
$1,030
Difference
$15.72
less

🏠Rent Comparison

Studio
From$1,764
To$1,331
$433
1 Bed
From$1,846
To$1,469
$377
2 Bed
From$2,277
To$1,928
$349
3 Bed
From$3,030
To$2,649
$381
Roseville, CAZIP-level data

1BR range: $2,140$2,330/mo

Santa Rosa, CAZIP-level data

1BR range: $1,940$2,470/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,537
Monthly in Roseville, CA
$12,177
Monthly in Santa Rosa, CA
$3,640
Difference

Home Values

Roseville
Santa Rosa
$652K
Median Value
$713K
↓ -1.1%
YoY Change
↓ -2.8%
↑ +20.7%
5-Year Change
↑ +12.2%
$530K - $670K
Price Range
$620K - $797K

Homes in Santa Rosa are 9% more expensive than Roseville

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Roseville, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Santa Rosa, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Additional Tax Information

Roseville, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Santa Rosa, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Roseville
Santa Rosa
51 Moderate
Air Quality
33 Good
49.7%
Good Air Days
76%
98 High
Climate Risk
100 Very High
🌊🫨
Top Hazards
🌊🫨
+2.4°F
2050 Outlook
+2.0°F
69 days
Heat Days >95°F
1 days
+2.4°F
2050 Outlook
+2.0°F
69 days
Heat Days >95°F
1 days

What to Consider When Moving from Roseville, CA to Santa Rosa, CA

Relocating from Roseville, CA to Santa Rosa, CA involves more than just comparing rent prices. While the overall cost of living is roughly 36% higher in Santa Rosa, CA, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Santa Rosa, CA is 116% more expensive than in Roseville, CA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Santa Rosa, CA pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Santa Rosa, CA to match your current standard of living in Roseville, CA.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Santa Rosa, CA for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Roseville, CA vs Santa Rosa, CA

Is Santa Rosa, CA cheaper than Roseville, CA?

Santa Rosa, CA is approximately 36.4% more expensive than Roseville, CA overall. On a $150,000 salary, that translates to roughly $2,730/month in additional expenses. Housing is the biggest factor, costing 116% more in Santa Rosa, CA.

What salary do I need in Santa Rosa, CA to match my lifestyle in Roseville, CA?

If you currently earn $150,000 in Roseville, CA, you would need approximately $182,761 in Santa Rosa, CA to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Roseville, CA and Santa Rosa, CA?

A two-bedroom apartment averages $2,277/month in Roseville, CA compared to $1,928/month in Santa Rosa, CA. One-bedroom apartments are $1,846/month in Roseville, CA vs $1,469/month in Santa Rosa, CA. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Roseville, CA or Santa Rosa, CA?

Groceries are about 2% cheaper in Santa Rosa, CA than in Roseville, CA, saving a typical household roughly $15.72/month on food.

What is the best time to move from Roseville, CA to Santa Rosa, CA?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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