Plano vs Roseville
Cost of Living Comparison · 2026
Plano
Roseville
The Verdict
The cost gap between these cities is 21.6%, with Plano being the more affordable option. A $75,000 income in Plano has equivalent purchasing power to $95,642 in Roseville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Plano has the same purchasing power as $95,642 in Roseville.
Conversely, $75,000 in Roseville equals $58,813 in Plano.
Living in Plano vs Roseville
Housing Costs
Plano's housing index of 123 is lower Roseville's 179, translating to median home prices of $400,000 vs $625,000. The $225,000 difference in home prices means roughly $14,628 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,700/mo in Plano compared to $2,000/mo in Roseville, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 98 in Plano and 105 in Roseville. A household spending the national average of $475/month on groceries would pay approximately $466/month in Plano vs $499/month in Roseville. Plano offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 99 in Plano and 163 in Roseville. Monthly utility bills average approximately $396 in Plano 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 100 in Plano 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 $96,348 in Plano and $142,800 in Roseville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $88,393 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 $2,248/month to housing in Plano vs $3,332/month in Roseville. In Plano, median rent of $1,700/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 64 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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