Franklin vs Roseville
Cost of Living Comparison · 2026
Franklin
Roseville
The Verdict
Franklin is 0.0% less expensive than Roseville overall. A household earning $75,000 in Franklin would need approximately $75,000 in Roseville to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Franklin has the same purchasing power as $75,000 in Roseville.
Conversely, $75,000 in Roseville equals $75,000 in Franklin.
Living in Franklin vs Roseville
Housing Costs
Franklin's housing index of 230 is higher Roseville's 179, translating to median home prices of $750,000 vs $625,000. The $125,000 difference in home prices means roughly $8,124 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,850/mo in Franklin compared to $2,000/mo in Roseville, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 100 in Franklin and 105 in Roseville. A household spending the national average of $475/month on groceries would pay approximately $475/month in Franklin vs $499/month in Roseville. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in Franklin and 163 in Roseville. Monthly utility bills average approximately $388 in Franklin vs $652 in Roseville. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 91 in Franklin and 106 in Roseville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 15-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $118,200 in Franklin and $142,800 in Roseville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $85,036 and $102,734 respectively. Roseville residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,758/month to housing in Franklin vs $3,332/month in Roseville. In Franklin, median rent of $1,850/mo fits within this budget. In Roseville, median rent of $2,000/mo remains manageable. The biggest category-level difference between these two cities is Utilities, where the gap is 66 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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