.png)
.png)
Roseville Market Update: September 2026
Geoff Goolsby
I’m a trusted real estate advisor serving Roseville and the greater Sacramento area, helping thoughtful homeowners navigate buying and selling with ...
I’m a trusted real estate advisor serving Roseville and the greater Sacramento area, helping thoughtful homeowners navigate buying and selling with ...
Roseville Market Update • September 2026
Roseville Prices Held in September. Contracts Fell by a Third.
The typical Roseville home sold for a little more than it did a year ago. But far fewer buyers signed contracts, and mortgage rates just crossed 7.4%. Here's what that means for your next move.
By Geoff Goolsby, The Goolsby Group • Published October 12, 2026 • Data: MetroList TrendVision and Freddie Mac PMMS
If you only looked at prices, September looked like a calm month in Roseville. The median sold price came in a few percent above last September, and well-priced homes still sold in about a month.
But prices are the last thing to move. The number I watch first is how many buyers are signing contracts, and in September that number dropped hard. Here's the full picture, what's driving it, and what I'd do about it depending on where you sit.
September at a Glance
(+3.1% vs. Sept 2025)
(−32% vs. Sept 2025)
(+3.4% vs. Sept 2025)
(Freddie Mac, Oct. 8, 2026)
Sources: MetroList TrendVision, Roseville single-family homes, September 2026 vs. September 2025, pulled October 2026. September 2026 figures are preliminary and may be revised as late sales post. Mortgage rate per Freddie Mac Primary Mortgage Market Survey, October 8, 2026.
Did Roseville Home Prices Drop in September?
No. The median sale ticked up, but asking prices didn't follow.
Per MetroList TrendVision, the median sold price for a Roseville single-family home was $634K in September, up from $615K last September and down slightly from $640K in August. That August-to-September dip is normal for this time of year.
Here's the counterweight. The median asking price on active listings was $660K, down from $670K a year ago, and the average sold price per square foot was $318, down from $324. So sellers aren't pushing prices higher, and the sold-price gain has more to do with which homes happened to close than with values climbing. Individual home values vary a lot by neighborhood, condition and price range.
There's also a timing issue. Most September closings went under contract in August, when the 30-year rate was around 6.7%. September's prices tell you what August buyers were willing to pay.
Why Did So Many Fewer Homes Go Under Contract?
Rates moved faster than prices did.
Only 130 Roseville homes went pending in September, compared with 191 last September and 159 in August. Over the same stretch, the Freddie Mac 30-year fixed average climbed from 6.71% (Sept. 3) to 6.95% (Sept. 17), 7.03% (Sept. 24), 7.28% (Oct. 1) and 7.40% (Oct. 8). A year ago it was 6.34%.
The chain is simple. When rates go up, buyers can borrow less. When buyers can borrow less, fewer of them write offers. And when fewer buyers write offers, sellers eventually have to meet them on price.
Here's what that looks like for one buyer. Say you budget $3,500 a month for principal and interest and put 20% down. In early September, at 6.71%, that payment supported a home around $677,000. At 7.40%, the same payment supports about $632,000. Same person, same budget, roughly $45,000 less house. (Taxes, insurance and HOA dues come on top of that.)
Pending sales are the leading indicator. September's drop is the first look at what October and November closings could look like.
One caution: pending counts get revised in both directions as deals fall out or get reclassified. I'll re-check September's number in next month's update. A drop this size is well beyond normal noise, though.
Is Inventory Piling Up?
Not really. There are fewer buyers, not more sellers.
There were 367 homes for sale at the end of September, compared with 355 a year earlier. That's a small increase. New listings actually fell, to 193 from 207. The market isn't loosening because a wave of sellers showed up. It's loosening because fewer buyers are taking homes off the market.
Based on September's pending pace, Roseville had about 2.8 months of supply, up from 1.9 a year ago. Under three months is still a seller's market by the traditional definition, but it's the most room buyers have had in a while.
September 2026 vs. September 2025
| Roseville SFR | Sept 2026 | Aug 2026 | Sept 2025 | Year over year |
|---|---|---|---|---|
| Median sold price | $634K | $640K | $615K | +3.1% |
| Median asking price (active) | $660K | $677K | $670K | −1.5% |
| Homes went pending | 130 | 159 | 191 | −32% |
| Homes sold (preliminary) | 142 | 142 | 175 | −19% |
| Homes for sale | 367 | 360 | 355 | +3.4% |
| New listings | 193 | 187 | 207 | −6.8% |
| Months of supply (pending pace) | 2.8 | 2.3 | 1.9 | +0.9 mo. |
| Sold vs. original asking price | 97% | 98% | 98% | −1 pt |
| Avg. days on market | 38 | 33 | 40 | −2 days |
Source: MetroList TrendVision, Roseville single-family homes, monthly data pulled October 2026. September 2026 figures are preliminary. Sales counts in particular usually rise as late-reported closings post.
What Sold at the Top of the Roseville Market?
Ten homes at $970K and up, and the starting price made the difference.
Here are the ten highest-priced Roseville sales that closed in September that I picked for this update. Look at the last two columns together.
| Address | Sold | Original asking | Final asking | % of final asking | Days on market |
|---|---|---|---|---|---|
| 3788 Saint Julien Way | $1,640,000 | $1,895,000 | $1,699,000 | 96.5% | 83 |
| 4941 Waterstone Dr | $1,570,000 | $1,750,000 | $1,600,000 | 98.1% | 72 |
| 3175 Tiny Ln | $1,236,500 | $1,234,000 | $1,234,000 | 100.2% | 18 |
| 2180 Carol Ln | $1,073,000 | $1,100,000 | $1,100,000 | 97.5% | 94 |
| 4477 Seabiscuit Dr | $1,030,000 | $1,150,000 | $1,099,000 | 93.7% | 28 |
| 416 Glouster Ct | $1,019,900 | $1,034,900 | $1,034,900 | 98.6% | 2 |
| 401 Diamond Springs Ct | $1,006,060 | $949,040 | $949,040 | 106.0% | 33 |
| 2007 Blackheath Ln | $999,000 | $1,099,800 | $999,000 | 100.0% | 48 |
| 2110 Blackheath Ln | $982,500 | $1,100,000 | $999,000 | 98.4% | 109 |
| 2184 Heritage Dr | $970,000 | $1,025,000 | $999,000 | 97.1% | 75 |
Source: MetroList, Roseville residential closed sales, September 1–30, 2026. "Final asking" is the list price at the time of sale. Selected by The Goolsby Group from the month's highest-priced sales. None were Goolsby Group listings.
The homes that came out at a price the market agreed with sold fast. Glouster Court went in two days, Tiny Lane sold over asking in 18 days without a price cut, and Diamond Springs Court sold for 106% of its asking price. The homes that started high, including the two biggest sales of the month, took two to three months and sold below their original asking price.
The Upside and the Concerns
My Own Thoughts on the Matter
The Bigger Picture
Roseville is still under three months of supply, still selling most homes near asking price, and still seeing new listings come in at a normal pace. Nothing in this data looks like a falling market. It looks like a market that's moving from sellers holding all the cards to something closer to balanced, and that shift is happening because of rates, not because people stopped wanting to live here.
Prices tell you where the market was. Contracts tell you where it's going.
What to Do If You're Thinking About a Move This Fall
If you're selling, price for today's buyer.
Your comps were set by buyers borrowing at around 6.7%. Today's buyer is borrowing at 7.4%, and there are fewer of them. Start at a price the current market supports. The top sales in September show what happens on either side of that line.
If you're buying, get your payment approved before your price.
Know the monthly number you're comfortable with, and let your lender translate it into a price at today's rate. Then use the extra room in this market to negotiate, especially on homes that have been sitting.
If you own and you're staying put, watch, don't worry.
Your home's value held through September. A slower market matters most to people who need to sell soon. If you're not one of them, this is a good time to know your number, so you're ready when the time comes.
The Bottom Line
September closed with Roseville prices holding steady. The median sale was $634K, up 3.1% from last year, and well-priced homes kept selling in about a month.
Underneath that, buyer activity slowed sharply. Pending sales fell 32% from last September as the 30-year rate climbed from 6.71% to over 7%, and it's at 7.40% now.
That doesn't mean prices are about to fall off a cliff. Inventory is only slightly higher than a year ago, and Roseville is still under three months of supply. It does mean October and November will likely be slower, and pricing will matter more than it has all year.
I'll check whether September's pending number holds up in next month's update, and whether rates give buyers any relief heading into the holidays.
Common Questions
Are Roseville home prices going down?
Not as of September. The median sold price was $634K, up 3.1% from September 2025, per MetroList TrendVision. The median asking price was down 1.5% year over year, and fewer homes went under contract, so I'd expect pricing pressure to build this fall if rates stay high. Individual home values vary.
Is Roseville a buyer's or a seller's market right now?
Still technically a seller's market, at about 2.8 months of supply based on September's pending pace. But it's the most balanced it's been in a while, and buyers have more negotiating room than they did this summer.
How long does it take to sell a home in Roseville?
The average was 38 days on market in September, compared with 40 a year ago. Homes priced right from the start often sold much faster. Several of the month's top sales went in under three weeks.
How much do mortgage rates affect what I can buy?
A lot. At $3,500 a month in principal and interest with 20% down, you could buy about $677,000 at 6.71% (early September). At 7.40% (Oct. 8), the same payment buys about $632,000. Taxes, insurance and HOA dues are extra. Your lender can run your exact numbers.
What was the most expensive home sold in Roseville in September?
3788 Saint Julien Way, which closed at $1,640,000 after 83 days on market. It originally listed at $1,895,000.
What's Your Roseville Home Worth Right Now?
The market is shifting, and your home's value depends on more than the median. Enter your address and I'll send you a personalized report within 24 hours.
Get My Free Home Report— Geoff Goolsby · The Goolsby Group · Roseville, CA
Market data from MetroList Services, Inc. via TrendVision, Roseville single-family homes, monthly data for August and September 2026 and September 2025, pulled October 2026. September 2026 figures are preliminary and subject to revision. Top sales data from MetroList, Roseville residential closed sales, September 1–30, 2026. Mortgage rates from the Freddie Mac Primary Mortgage Market Survey, weekly readings September 3 through October 8, 2026, and the year-ago reading. Payment examples are estimates for principal and interest only and are not a loan offer; consult a licensed lender. Information is deemed reliable but not guaranteed, and individual home values vary. This is not legal, tax or financial advice. Geoff Goolsby, DRE #01926125.