When you’re buying a home in the greater Sacramento region, it’s crucial to look beyond your monthly mortgage payment. One of the biggest factors affecting your budget is property taxes. Whether you’re searching in Folsom, Roseville, Rocklin, or nearby cities, understanding how property taxes work can help you plan wisely and avoid surprises down the road.
Property taxes in Roseville, CA, and surrounding areas are based on a percentage of your home’s assessed value. In California, Proposition 13 limits annual property tax increases to a maximum of 2%, helping keep costs somewhat stable over time. However, new buyers should know that a home’s assessed value resets to its purchase price when it changes hands—meaning your property taxes could be significantly higher than what the previous owner paid.
In places like Folsom and Rocklin, property taxes often hover around 1% to 1.25% of your home’s value, but there are additional costs to consider. Many newer neighborhoods have Mello-Roos assessments or local special taxes to fund schools, parks, or infrastructure projects. These assessments vary greatly by subdivision and can add several thousand dollars annually to your tax bill.
When budgeting for a home purchase, factor in these costs so you’re not caught off guard later. Ask your real estate agent or lender to help you estimate property taxes Roseville CA buyers typically pay in your chosen neighborhood. It’s also smart to check the county tax assessor’s website for specific rates and special assessments.
Understanding your property taxes can give you confidence as you shop for your new home—and help ensure your dream home remains comfortably affordable for years to come.
Ready to explore homeownership in Roseville or nearby cities? Contact us or fill out the form below, and let’s make sure you’re prepared for every part of the journey—including property taxes!