If you’re buying a home in Roseville or anywhere else in the county, Placer County property tax starts at 1% of your assessed value, and the rest of the bill depends on the parcel’s location. In Roseville, the county’s most recently published rates range from 1.02% to 1.1% of assessed value once local school and college bonds are added.
Newer neighborhoods add Mello-Roos special taxes on top of that rate as flat dollar amounts. For new homes in Creekview Phase 5 in northwest Roseville, the city’s 2025 bond documents estimate total annual taxes at 1.69% to 1.77% of each home’s value, so the special taxes on a parcel matter as much as the rate when you set a budget.
Key Takeaways
- Placer County property tax starts at the 1% Proposition 13 rate, and Roseville’s 2025/26 rates range from 1.02% to 1.1% once voter-approved school and college bonds are added.
- Mello-Roos special taxes are added as flat amounts, and the City of Roseville’s 2025 bond documents estimate a new Creekview Phase 5 home’s total annual taxes at around $13,000 to $14,800, or 1.69% to 1.77% of its value.
- Placer County’s two installments are due November 1 and February 1, and a 10% penalty applies after 5 p.m. on December 10 and April 10, plus a $35 cost on the second installment.
- After a purchase, Placer County mails a supplemental tax bill to the new owner, and the Assessor says its notice comes 6 to 12 months after the sale, so if you have an escrow account, ask your loan servicer whether escrow will pay the bill.
- California’s homeowners’ exemption removes $7,000 of assessed value, worth about $71 to $77 a year at Roseville’s rates, when you file by February 15.
How Is Placer County Property Tax Calculated?
Placer County figures every annual property tax bill the same way. The Placer County Auditor-Controller describes it as your net assessed value times your tax rate, plus any direct charges, and each of those comes from a different source.
Your assessed value comes from the Placer County Assessor. When you buy, the value is reset at the change in ownership, generally based on your purchase price. From there, Proposition 13 limits increases to 2% a year until the home sells again or new construction is completed.
The tax rate starts at 1%. According to the Auditor-Controller, any rate above 1% pays for debt that local voters approved, such as school and college construction bonds. On Placer County’s 2025/26 schedule, total rates range from 1.01% to 1.17% depending on the tax rate area, meaning the part of the county where every parcel pays the same set of taxing agencies.
Direct charges come last. They’re flat amounts per parcel, calculated by the agency that levies them and placed on the bill by the county. Mello-Roos special taxes are direct charges, which is why they don’t move with your home’s value.
What Is the Roseville Tax Rate?
Roseville’s rate depends on which school districts serve the parcel. Every Roseville tax rate area in Placer County’s Property Tax Rates for 2025/26, adopted August 19 and September 23, 2025, starts with the 1% base and the Sierra Joint Community College District’s 0.005316% bond rate. The school bonds added on top are what differ from one area to the next.
| School districts on the parcel | Total rate | Tax per $100,000 of assessed value | What's added to the 1% |
|---|---|---|---|
| Roseville City (elementary) and Roseville Joint Union High | 1.029901% | $1,030 | Elementary, high school, and Sierra College bonds |
| Same districts, inside the high school district's School Facilities Improvement District No. 1 | 1.073494% | $1,073 | The same bonds plus that improvement district's own bonds |
| Dry Creek Joint (elementary) and Roseville Joint Union High | 1.054836% | $1,055 | Dry Creek's elementary bond rate is 0.033604%, higher than Roseville City's 0.008669% |
| Eureka Union (elementary) and Roseville Joint Union High | 1.021232% | $1,021 | High school and Sierra College bonds, with no elementary bond rate on the schedule |
| Rocklin Unified | 1.087306% | $1,087 | One unified district's bonds plus Sierra College |
| Center Joint Unified | 1.103516% | $1,104 | One unified district's bonds plus Sierra College |
A school facilities improvement district (SFID) is an area inside a school district that votes on its own facilities bonds. Roseville Joint Union High School District’s SFID No. 1 adds 0.04%, or $44 a year per $100,000 of assessed value. Creekview Phase 5’s tax rate area, 005-073, is one of the areas that pays it.
Why the Placer County Tax Rate Changes Every Year
The 1% base doesn’t change. The bond rates do, because the Auditor-Controller recalculates them each year from every district’s annual debt payment and its assessed value. A bond’s rate comes off the bill once the bond matures, and new bonds that voters approve add a rate of their own. The county publishes the maturity dates for voter-approved bonds if you want to see when each one ends.
As of early October 2026, the county’s archive listed the 2025/26 schedule as its most recent. Bills for the 2026/27 tax year, mailed in the fall of 2026, use that year’s adopted rates, so check your own bill once it arrives.
Reading a Roseville Property Tax Bill
A Roseville property tax bill shows the tax rate area, each ad valorem rate, and each direct charge on its own line. Ad valorem means based on value, so those lines scale with your assessed value. Placer County marks a Mello-Roos charge by ending its tax code description with the letters MR, and each direct charge lists a phone number for the agency that levies it, according to the Auditor-Controller.
The tax rate area tells you which school districts your parcel pays bonds to. It doesn’t assign a school, since each district sets its own attendance boundaries.
Mello-Roos and Other Special Taxes in Roseville
The City of Roseville’s special taxes page lists Mello-Roos community facilities districts (CFDs) in neighborhoods including Fiddyment Ranch, Westpark, Sierra Vista, Creekview, Amoruso Ranch, Crocker Ranch, Stoneridge, and Woodcreek. A CFD charges a special tax to pay for infrastructure or services in its area, and the tax shows up on your Placer County bill as a direct charge. Our Mello-Roos guide explains how these districts work across California.
Facilities Districts and Services Districts
Roseville uses two kinds of districts, and a newer home can pay both. A facilities district sells bonds to build infrastructure, and its special tax repays the bonds. A services district isn’t bonded. The city’s Mello-Roos policy describes the services these districts pay for as the ongoing costs of parks and open space, public landscaping, police and fire protection, and library services.
What a New-Construction Tax Bill Can Look Like
Roseville’s official statement for its Creekview Phase 5 CFD No. 1 bonds, dated November 18, 2025, estimates the full annual tax bill for new homes in the 285-home phase of the Winding Creek development. The estimate uses Placer County’s 2025/26 rate for the phase’s tax rate area, that year’s direct charges, and home values provided by the developer’s consultant. For a home on a 50-foot lot with an estimated value of $825,000, the estimated bill breaks down this way.
| Line on the estimated bill | Annual amount | What it pays for |
|---|---|---|
| Proposition 13 base, 1% of $818,000 assessed value | $8,180 | The general levy shared by the county, city, schools, and districts |
| Roseville Joint Union High School District bonds | $487 | Voter-approved high school bonds, including SFID No. 1 |
| Roseville City School District bonds | $71 | Voter-approved elementary school bonds |
| Sierra College bonds | $43 | Voter-approved community college bonds |
| Creekview Phase 5 CFD No. 1 | $4,080 | Mello-Roos facilities tax for roads, water, sewer, drainage, and parks |
| Creekview CFD No. 2 | $611 | Public services district |
| Roseville CFD No. 3 | $571 | Municipal services district |
| Placer Mosquito and Vector Control | $35 | Flat district charge |
| Total | $14,078 | 1.71% of the $825,000 estimated value |
The $818,000 assessed value is the estimated value minus the $7,000 homeowners’ exemption. The total works out to about $1,173 a month. About 38% of it comes from the direct charges, which stay the same whatever the home is worth.
Across the four lot sizes in the official statement, from 40-foot to 60-foot lots, the facilities tax is $3,978 to $4,284, total taxes are $13,010 to $14,819, and the total equals 1.69% to 1.77% of each home’s estimated value. Other Roseville districts charge different amounts, so treat this as one district’s example.
How Long Roseville’s Mello-Roos Lasts
Each district’s documents set its term. In Creekview Phase 5, the official statement says the facilities tax is levied until the 2089-90 fiscal year or an earlier transition year set by the district’s tax formula, called its rate and method of apportionment. Starting in that transition year, a maintenance special tax is levied with no end date.
For bonded charges in general, Placer County’s Auditor-Controller says the charge stays on the bill until the bonds are paid off and that only the levying agency has the maturity details. Services districts aren’t tied to bonds, so a bond payoff doesn’t end them.
Roseville’s Limits on Special Taxes
The city’s Mello-Roos goals and policies, effective April 3, 2024, set these rules for new districts:
- Total tax burden: the maximum special tax plus the home’s ad valorem taxes and other assessments and special taxes can’t exceed 1.75% of the homes’ anticipated market value when the bonds are issued. City staff can allow a higher limit at the chief financial officer’s discretion.
- Annual increases: a residential facilities district can include an escalator of up to 2% a year, and a services district or non-residential district can include up to 4% a year.
- Disclosure: builders must disclose the special taxes to buyers, including a notice the buyer signs before the purchase.
Because the 1.75% test uses projected prices, your own bill as a share of your actual purchase price can be higher or lower.
Checking a Specific Roseville Home
On a resale, California Civil Code Section 1102.6b requires the seller to make a good-faith effort to get the special tax notice from each agency levying a Mello-Roos tax on the property and deliver it to you. On a new home, the builder’s signed disclosure under the city’s policy shows the special taxes.
Before either one arrives, you can look up a home you’re touring on Placer County’s Pay or View Taxes page with its 12-digit fee parcel number, which your agent can find for you. A fee parcel search shows every tax bill on the parcel, including supplemental bills, and the current annual bill lists each MR line. Willdan Financial Services, which administers the city’s CFDs, can confirm each charge’s amount, annual escalator, and end date at 1-800-755-6864.
When Are Placer County Property Taxes Due?
Placer County collects the annual property tax on a home in two installments, on the same calendar as the rest of the state. Our guide to when California property taxes are due covers the statewide schedule.
| Installment | Due | Delinquent after | Penalty | What to know |
|---|---|---|---|---|
| First | November 1 | 5 p.m. December 10 | 10% | You can pay both installments together by the first due date |
| Second | February 1 | 5 p.m. April 10 | 10% plus a $35 cost | Not receiving a bill doesn't waive the penalty |
According to the Placer County Treasurer-Tax Collector, a mailed payment counts if it’s USPS-postmarked by the deadline, and a payment without a USPS postmark has to arrive at the office by 5 p.m. on the deadline. Taxes still unpaid after June 30 go into default, which adds a $15 redemption fee and a 1.5% monthly penalty, or 18% a year.
If your mortgage has an escrow or impound account, your servicer pays the annual installments from your monthly payment.
Placer County Property Taxes for Buyers and Owners
If you’re buying a resale home
The seller’s bill reflects the seller’s assessed value. Yours resets at the sale, and the difference shows up first as a supplemental tax bill. The Placer County Assessor says to expect the supplemental notice 6 to 12 months after the transfer, and its Supplemental Tax Estimator gives an estimate while you wait.
A supplemental bill comes in addition to the annual bill, and you can pay it in two installments. The Treasurer-Tax Collector mails it to you, and Placer County says lending agencies don’t request a copy, so if you have an escrow account, send the bill to your loan servicer and ask whether escrow will pay it. A purchase that closes between January 1 and June 30 creates two supplemental assessments, because two tax years are affected.
According to the Treasurer-Tax Collector, current-year taxes are usually prorated at closing between you and the seller, by the days each of you owns the home in the July 1 to June 30 fiscal year. Your settlement statement shows that credit or debit along with the property taxes prepaid into your escrow account, which our guide to California closing costs covers. The Treasurer-Tax Collector also suggests confirming before closing that no prior-year taxes are delinquent and settling who pays the current installment.
If you’re buying new construction
The builder’s signed special tax disclosure is the first place to see the Mello-Roos charges on a new home. A change in ownership and a completed new home can each create a separate supplemental assessment, according to the Auditor-Controller. The county’s estimator is built for changes in ownership only, so ask the Placer County Assessor at 530-889-4300 about the new-construction portion.
If you already own a home in Roseville
California’s homeowners’ exemption removes $7,000 from the assessed value of an owner-occupied principal residence, according to the State Board of Equalization. The home has to be your principal residence on January 1, and you file by February 15 for the full exemption. At Roseville’s rates, the exemption lowers the bill by about $71 to $77 a year.
If your home’s market value on January 1 falls below its assessed value, Proposition 8 allows a temporary reduction. You can request an informal review from the Placer County Assessor at 530-889-4300. A formal appeal goes to the Assessment Appeals Board. Placer County’s 2026 regular filing period was July 2 through September 15, 2026, and a value set by a supplemental assessment can be appealed within 60 days of the date on the supplemental notice. The board charges a $40 nonrefundable fee per parcel.
Proposition 19 lets homeowners 55 or older, severely and permanently disabled homeowners, and victims of wildfire or a governor-declared disaster transfer their assessed value to a replacement primary residence up to three times, according to the State Board of Equalization. The replacement has to be bought or built within two years of the sale, and if it’s worth more than 100%, 105%, or 110% of the original home’s value, depending on when it’s bought, the difference is added to the transferred base. If you’re timing a move around Proposition 19, our guide to buying before you sell in California covers how to line up the purchase and the sale.
How to Review Your Potential Placer County Property Tax
When you’re buying in Roseville, these are the steps we take to help you determine what your estimated property tax bill will look like:
- We figure property tax on your purchase price at the property’s own tax rate, since the seller’s bill reflects the seller’s assessed value when they bought the home and/or when they made renovations.
- We ensure that the estimated property tax sits within your target monthly payment range. Fannie Mae’s guidelines count real estate taxes and special assessments in your monthly housing expense, so these charges count toward your debt-to-income (DTI) ratio along with your loan payment.
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November 4, 2026
Frequently Asked Questions
What is the property tax rate in Placer County?
Placer County property tax starts at 1% of assessed value under Proposition 13, and voter-approved bonds add to that rate by tax rate area. The county’s 2025/26 schedule, its most recent, puts total rates at 1.01% to 1.15% countywide and 1.02% to 1.1% in Roseville. Mello-Roos special taxes and other direct charges are added as flat amounts on top of the rate.
What is the Roseville tax rate?
The Roseville tax rate depends on the school districts that serve the parcel. Placer County’s 2025/26 rates for Roseville tax rate areas range from 1.02% to 1.1%, or about $1,021 to $1,104 a year per $100,000 of assessed value. Parcels inside a Mello-Roos district also pay special taxes as flat amounts.
When are Placer County property taxes due?
Placer County property taxes are paid in two installments. The first is due November 1 and is delinquent after 5 p.m. on December 10, with a 10% penalty. The second is due February 1 and is delinquent after 5 p.m. on April 10, with a 10% penalty plus a $35 cost.
How do I know if a Roseville home has Mello-Roos?
A Roseville home’s current Placer County tax bill marks each Mello-Roos charge with a tax code description ending in the letters MR. On a resale, California law requires the seller to make a good-faith effort to provide the special tax notice. On a new home, the City of Roseville requires a builder’s disclosure the buyer signs before the purchase.
How much is Mello-Roos in Roseville?
Mello-Roos in Roseville varies by district, lot, and home. In one example, the City of Roseville’s 2025 official statement for Creekview Phase 5 estimates the facilities tax at $3,978 to $4,284 a year, plus about $1,217 in services and other direct charges. The current tax bill or the special tax disclosure shows the Mello-Roos amount for a specific Roseville home.
When will I get a supplemental tax bill in Placer County?
The Placer County Assessor says to expect a supplemental tax notice 6 to 12 months after a purchase. The Placer County Treasurer-Tax Collector mails the supplemental tax bill to the owner in addition to the annual bill, and lenders don’t request a copy. If you have an escrow account, send the supplemental tax bill to your loan servicer and ask whether escrow will pay it.
How much does the homeowners’ exemption save in Placer County?
The homeowners’ exemption removes $7,000 of assessed value from an owner-occupied principal residence. At Roseville’s tax rates, the homeowners’ exemption lowers the bill by about $71 to $77 a year. File by February 15 for the full exemption.
Can I appeal my Placer County property tax assessment?
Yes. You can request an informal review from the Placer County Assessor or file a formal appeal with the Assessment Appeals Board. Placer County’s 2026 regular filing period was July 2 through September 15, 2026, and a supplemental assessment can be appealed within 60 days of the date on its notice. The filing fee is $40 per parcel.
Want Your Full Payment Before You Write an Offer?
We’ll build the Placer County tax rate, any Mello-Roos charges, and insurance for the Roseville homes you’re considering into your pre-approval, so the payment you plan around includes the taxes on that specific home.
Get pre-approved with JVM Lending to start your home purchase in Placer County.
All figures in this post are examples for illustrative and informational purposes only. We aren’t tax or legal advisors, so talk to a tax or legal professional about your situation.
Sources
- Placer County Auditor-Controller
- Placer County Treasurer-Tax Collector
- Placer County Assessor
- Placer County Clerk of the Board
- City of Roseville
- California Civil Code Section 1102.6b
- California State Board of Equalization
- Fannie Mae Selling Guide, B3-6-03
- Consumer Financial Protection Bureau
