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City · 21,691 residents · Napa County, California

American Canyon , California

In American Canyon, a typical home is worth $692,600 and typical rent is $2,537 a month. Compared with all of Napa County, the typical home value is 20% lower, typical rent is 13% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $692,600

    20% below the county

    6% below California

    • American Canyon
    • Napa
    • California

  • Typical rent

    $2,537a month

    13% above the county

    25% above California

    • American Canyon
    • Napa
    • California

  • Typical household income

    $121,700a year

    9% above the county

    23% above California

    • American Canyon
    • Napa
    • California

  • Households that own their home

    74%

    11 points above the county

    18 points above California

    • American Canyon
    • Napa
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$723,023
0.7% less than 12 months ago
Typical rent
$3,347 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

American Canyon is in Napa County. The FHA loan limit ($1,017,750 for a one-unit home), the fair market rents and the help on this page are those of all of Napa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets American Canyon apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Vallejo, the typical rent is $2,073: 18% less than in American Canyon ($2,537).

  2. The typical home in American Canyon is worth $692,600, 20% less than in Napa County as a whole ($869,500).

  3. 74% of households in American Canyon own their home, against 63% in Napa County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in American Canyon

What homes there are in American Canyon, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in American Canyon: 73% of homes, more than in Napa County (67%).

Mobile homes are 14% of homes in American Canyon, more than in Napa County (6%).

Year built

Homes in American Canyon are newer: the typical year built is 1998; in Napa County, 1976.

Homes in American Canyon are bigger: 75% have 3 bedrooms or more; in Napa County, 58%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,066 a month

Napa County: $3,335 a month

Without a mortgage

$777 a month

Napa County: $915 a month

Owners with a mortgage

72%

Napa County: 62%

The typical cost for an owner with a mortgage in American Canyon is $3,066 a month, less than in Napa County ($3,335); without one, $777.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in American Canyon rose at about the same pace as in Napa County: 39% against 37%.

Since 2015–2019, the typical rent in American Canyon rose 39%, more than in Napa County (32%).

Housing prices ran ahead of income in American Canyon: typical income rose 20%, against +39% for home values and +39% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAmerican CanyonNapa CountyCaliforniaUnited States
Rental vacancy Unreliable estimate5.5%4.2%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room 6.1%6.4%8.2%3.4%
People per household 3.602.632.842.53
Drive alone 75%70%66%69%
Carpool 9%9%10%9%
Public transit 2%1%3%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 12%15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 6.1% of households in American Canyon live, near the figure in Napa County (6.4%).

On average, a household in American Canyon has 3.60 people, more than in Napa County (2.63).

In American Canyon, 75% of workers drive alone to work; in Napa County, 70%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in American Canyon?

A typical home costs more than the typical income allows

We start with a typical home in American Canyon, worth $692,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in American Canyon, which is $121,700 a year. For that payment to be 28% of income, a household would need to earn about $242,477 a year.

The calculator's FHA and conventional loan limits are those of all of Napa County.

Your numbers

Local data
$

Starts at the typical home value in American Canyon. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $24,241 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,658

at 7.18% · 30 years

Loan amount
$680,055
Total interest
$978,440
Paid off in
November 2056

Includes $11,696 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,840 a month

  • Tight

    $2,840 to $3,651 a month

  • Hard

    more than $3,651 a month

    Your payment · 56%

Compared with the typical household income in American Canyon ($121,700 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,658
Principal & interest$4,607
Property tax$456
Home insurance$289
FHA mortgage insurance (MIP)$306

You need at least $24,241 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

American Canyon and Napa County

American Canyon is in Napa County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

American Canyon's own numbers

Typical home value
$692,600
Typical monthly rent
$2,537
Typical yearly household income
$121,700
Households that own their home
74%
Effective property tax rate
0.79%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Napa County

FHA limit, one-unit home
$1,017,750
Conventional limit, one unit
$1,017,750
HUD fair market rent, 2 bedrooms
$3,375
Price change over 5 years (FHFA)
+27%
Homes in a high flood-risk zone
4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Napa County.

Everything about Napa County

Buying

Buying a home in American Canyon

A typical home in American Canyon is worth $692,600: 20% below the county and 6% below California. With the typical household income in American Canyon ($121,700 a year), a typical home costs 5.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • American Canyon 5.7 years
  • Napa 7.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Napa County

According to FHFA’s house price index, home prices in Napa County rose 63% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Napa County.

Period County California U.S.
Last year (2025) −1.0% +0.8% +2.9%
5 years (2020–2025) +27% +40% +47%
10 years (2015–2025) +63% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

American Canyon next to Napa County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • American Canyon $692,600
  • Napa $869,500
  • California $734,700
  • United States $332,700
Typical monthly rent
  • American Canyon $2,537
  • Napa $2,237
  • California $2,036
  • United States $1,413
Typical yearly household income
  • American Canyon $121,700
  • Napa $111,471
  • California $99,122
  • United States $80,734
See the full table
American Canyon next to Napa County and California
Measure American Canyon Napa County California U.S.
Typical home value $692,600 $869,500 $734,700 $332,700
Typical monthly rent $2,537 $2,237 $2,036 $1,413
Typical yearly household income $121,700 $111,471 $99,122 $80,734
Households that own their home 74% 63% 56% 65%
Typical yearly property tax $5,465 $5,995 $5,124 $3,119
Effective property tax rate 0.79% 0.69% 0.7% 0.94%
Renters with high rent for their income 62% 55% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Napa County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in American Canyon

For a typical $692,600 home in American Canyon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, American Canyon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,658a month

    Least cash to close
    Down payment
    $24,241
    Cash to close
    $45,019
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $306

  • Conventional, 5% down $5,531a month

    Down payment
    $34,630
    Cash to close
    $55,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $329

  • Conventional, 20% down, no PMI $4,498a month

    Down payment
    $138,520
    Cash to close
    $159,298
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,138a month

    Down payment
    $103,890
    Cash to close
    $124,668
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for American Canyon and for Napa County.

Property tax

Effective rate in American Canyon

0.79%of the home’s value each year

$5,465 a year for the typical owner in American Canyon.

  • American Canyon 0.79%
  • Napa 0.69%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Napa County

FEMA does not publish these numbers by city: they are for all of Napa County.

Homes in the high-risk zone
4%
1,833
Of those, with NFIP insurance
36%
County California U.S.
Homes in the high-risk zone 4% 2.8% 3.5%
Of those, with NFIP insurance 36% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in American Canyon

Typical rent in American Canyon is $2,537 a month: 13% above the county. In American Canyon, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Napa County, by unit size. To pay the 2-bedroom one ($3,375 a month) without spending more than 30% of your income, you would need to earn $64.90 an hour working full time.

HUD fair market rent for all of Napa County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,350 $45.19 $94,000
1 bedroom $2,580 $49.62 $103,200
2 bedrooms $3,375 $64.90 $135,000
3 bedrooms $4,201 $80.79 $168,040
4 bedrooms $5,094 $97.96 $203,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in American Canyon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). American Canyon is in ZIP code 94503.

For 2 bedrooms it is $3,790: $415 more than the fair market rent for Napa County ($3,375).

  • 94503 $3,790$4,710

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for American Canyon when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in American Canyon

HUD lists 2 buildings with rents for lower incomes in American Canyon. These are the largest.

  • Vineyard Crossings 202 Tapestry Ln, American Canyon 94503 145 homes, 144 low-income · 1 bd: 24 · 2 bd: 63 · 3 bd: 55 · 4 bd: 3 · In service since 2007 · For families
  • Valley View Senior Housing 1 Natalie Ln, American Canyon 94503 70 homes, 69 low-income · 1 bd: 66 · 2 bd: 4 · In service since 2019 · For older adults

See all 27 buildings in Napa County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in American Canyon

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Napa County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in American Canyon

No down payment, repair or rent-help program on our list is for American Canyon or Napa County. The ones below are statewide in California: they work in American Canyon the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near American Canyon

The HUD-approved agencies closest to the center of American Canyon, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

  • Community Housing Development Corporation of North Richmond

    1535 Fred Jackson Way Ste A, Richmond · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 412-9290

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

All counseling agencies in California

Help in Spanish near American Canyon

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of American Canyon

In HUD’s record, no housing authority with an office in Napa County is named for American Canyon or Napa County.

One other authority has an office in Napa County: see the list Source: HUD

Cities

Other cities in Napa County

These cities are also in Napa County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Napa County Housing in California

Nearby cities

The cities closest to American Canyon, with the typical home value.

Neighboring counties

If Napa County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in American Canyon.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about American Canyon

Short answers with the numbers for American Canyon and all of Napa County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in American Canyon?

The typical home value in American Canyon is $692,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Napa County it is $869,500.

How much does it cost to rent in American Canyon?

Typical rent in American Canyon is $2,537 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Napa County is $3,375.

What is the FHA loan limit in American Canyon?

American Canyon uses the FHA limit for all of Napa County (2026): $1,017,750 for a one-unit home and $1,957,250 for a four-unit home.

How much property tax do owners pay in American Canyon?

The typical homeowner in American Canyon pays $5,465 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Napa County, the rate is 0.69%.

Where can I find free help to buy or rent in American Canyon?

We found no HUD-approved counseling agencies with an office in Napa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).