Irving vs Roseville
Cost of Living Comparison · 2026
Irving
Roseville
The Verdict
Living in Irving costs 28.1% less than Roseville. To match the purchasing power of a $75,000 salary in Irving, you would need $104,250 in Roseville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Irving has the same purchasing power as $104,250 in Roseville.
Conversely, $75,000 in Roseville equals $53,957 in Irving.
Living in Irving vs Roseville
Housing Costs
Irving's housing index of 94 is lower Roseville's 179, translating to median home prices of $318,000 vs $625,000. The $307,000 difference in home prices means roughly $19,956 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $2,000/mo in Roseville, a monthly difference of $650.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 105 in Roseville. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $499/month in Roseville. Irving offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 111 in Irving and 163 in Roseville. Monthly utility bills average approximately $444 in Irving 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 103 in Irving and 106 in Roseville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $73,400 in Irving and $142,800 in Roseville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 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 $1,713/month to housing in Irving vs $3,332/month in Roseville. In Irving, median rent of $1,350/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 Housing, where the gap is 85 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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