Published November 1, 2026 in Market Update

Roseville sales rose even with rates above 7%

Rates crossed 7% in September 2026, according to Realtor.com. Most people expected that to slow things down. In Roseville, it did not.

The Real Estate Data Aggregator counted 675 homes sold across Roseville in the three months ending August 31, 2026. That is up 13.1% from the same period a year before. Demand held, and in some parts of town, it got stronger.

At the same time, the number of homes for sale fell. The Real Estate Data Aggregator counted 512 active listings across Roseville during that same period, down 8.6% from a year ago. Fewer choices for buyers, more competition for the homes that are there.

Each ZIP code tells a different story

The Roseville-wide numbers are useful. But they smooth over real differences between neighborhoods. Here is what the Real Estate Data Aggregator showed for each ZIP in the three months ending August 31, 2026.

95661: The fastest ZIP in the market

The Real Estate Data Aggregator shows 95661 had a median of just 12 days on market. That is 6 days shorter than the same period last year. Nearly 45% of homes sold above list price, up 6.6 points from a year ago. The median sale price was $781,500, up 11.6%.

Supply dropped sharply here. The Real Estate Data Aggregator counted only 34 homes for sale, down 27.7% from a year ago. Just 1.2 months of supply. Sellers in 95661 had real leverage, and the numbers show it.

95678: More sales, but prices dipped

The Real Estate Data Aggregator counted 104 homes sold in 95678, up 5.1% from a year ago. Sales activity picked up. But the median sale price slipped to $546,000, down 5% from a year before. That is the one ZIP in Roseville where prices moved in the wrong direction for sellers.

Days on market held at 21, just 1 day shorter than last year. About a third of homes sold above list price. Not as competitive as 95661, but still active.

95747: The biggest ZIP, and it picked up speed

95747 is where most of the volume is. The Real Estate Data Aggregator counted 402 homes sold there, up 14.9% from a year ago. Median days on market fell to 28, down 9 days from last year. That is a meaningful shift in how quickly homes are moving.

The median sale price was $665,000, up just 0.8%. Prices held steady while speed increased. Nearly 3 in 10 homes sold above list price, up 4.8 points from a year ago.

95746 (Granite Bay): Steady prices, a little more time

The Real Estate Data Aggregator shows the median sale price in Granite Bay held at $1,250,000, unchanged from a year ago. Sales rose 2.5% to 81 homes. But homes took longer. Median days on market was 26, up 5 days from last year.

At the higher price point, buyers have more options and more patience. The Real Estate Data Aggregator counted 3 months of supply in 95746. That is the most of any ZIP here. Sellers still closed near list at 98.5%, but fewer homes went above it.

What the rate environment means for Roseville

Realtor.com reported mortgage rates topped 7% in September 2026, the first time since January 2025. Nationally, Realtor.com also noted that price cuts reached 20.8% of listings in September 2026, the highest share since October 2022.

Roseville did not follow that national pattern. Sales rose. Inventory fell. Most ZIPs saw prices hold or climb. That gap between what is happening nationally and what is happening locally matters when you are making a decision about your own home.

Realtor.com also reported the Sacramento-Roseville-Folsom metro had a median home price of $599,950 in September 2026. That is a regional figure, and it blends a wide range of markets. The ZIP-level numbers above give you a sharper picture of what Roseville specifically is doing.

How quickly are homes going under contract?

One of the clearest signs of demand is how fast homes go pending. The Real Estate Data Aggregator tracked the share of homes that went under contract within two weeks of listing.

In 95661, more than half of all listings went under contract within two weeks. That is up 9.3 points from a year ago. In Granite Bay, that share was 28.7%, down 10.1 points. The same rate environment, very different results by ZIP.

These numbers cover the three months ending August 31, 2026. One street can read very differently from the ZIP code around it. A home's condition, price point, and exact location all shape what actually happens when it hits the market.