Roseville vs Surprise
Cost of Living Comparison · 2026
Roseville
Surprise
The Verdict
Surprise is 35.0% less expensive than Roseville overall. A household earning $75,000 in Roseville would need approximately $55,576 in Surprise 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 Roseville has the same purchasing power as $55,576 in Surprise.
Conversely, $75,000 in Surprise equals $101,214 in Roseville.
Living in Roseville vs Surprise
Housing Costs
Roseville's housing index of 179 is higher Surprise's 105, translating to median home prices of $625,000 vs $419,000. The $206,000 difference in home prices means roughly $13,392 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,000/mo in Roseville compared to $1,575/mo in Surprise, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 105 in Roseville and 100 in Surprise. A household spending the national average of $475/month on groceries would pay approximately $499/month in Roseville vs $475/month in Surprise. 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 163 in Roseville and 102 in Surprise. Monthly utility bills average approximately $652 in Roseville vs $408 in Surprise. 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 106 in Roseville and 97 in Surprise. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $142,800 in Roseville and $85,500 in Surprise. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $102,734 and $83,010 respectively. Roseville residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $3,332/month to housing in Roseville vs $1,995/month in Surprise. In Roseville, median rent of $2,000/mo fits within this budget. In Surprise, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 74 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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