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City · 5,111 residents · Napa County, California

Calistoga , California

In Calistoga, typical rent is $1,767 a month. Compared with all of Napa County, typical household income is 23% lower, typical rent is 21% lower, and the share of households that own their home is 13 points lower.

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  • Typical rent

    $1,767a month

    21% below the county

    13% below California

    • Calistoga
    • Napa
    • California

  • Typical household income

    $85,446a year

    23% below the county

    14% below California

    • Calistoga
    • Napa
    • California

  • Households that own their home

    50%

    13 points below the county

    6 points below California

    • Calistoga
    • Napa
    • California

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

Market now, with Zillow data

Zillow data
Typical home value
$1,065,780
0.5% more than 12 months ago
Typical rent
$2,910 a month

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

Calistoga 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 Calistoga apart

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

  1. 50% of households in Calistoga own their home, against 63% in Napa County.

  2. The typical household income in Calistoga is $85,446, 23% less than in Napa County as a whole ($111,471).

  3. The typical rent in Calistoga is $1,767 a month, 21% less than in Napa County as a whole ($2,237).

  4. Calistoga has the 49th smallest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (43%).

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

The homes here

Housing in Calistoga

What homes there are in Calistoga, 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

Homes in Calistoga are varied: detached houses are the largest group, at 45%, against 67% in Napa County.

In Calistoga there are many mobile homes: 23% of homes; in Napa County, 6%.

Year built

Homes in Calistoga are newer: the typical year built is 1980; in Napa County, 1976.

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

$2,440 a month

Napa County: $3,335 a month

Without a mortgage

$1,212 a month

Napa County: $915 a month

Owners with a mortgage

33%

Napa County: 62%

Owning costs less in Calistoga: with a mortgage, the typical cost is $2,440 a month; in Napa County, $3,335. Without one, $1,212.

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

The typical rent in Calistoga rose 27% over the same time; in Napa County, it rose 32%.

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

MeasureCalistogaNapa 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 Unreliable estimate6.4%8.2%3.4%
People per household 2.522.632.842.53
Drive alone 81%70%66%69%
Carpool Unreliable estimate9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate15%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Calistoga has 2.52 people on average, about the same as in Napa County (2.63).

To get to work, 81% of workers in Calistoga drive alone; 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 Calistoga?

The Census Bureau publishes no typical home value or typical household income for Calistoga, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Calistoga, so the calculator starts with the one for Napa County: $869,500. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Napa County. Change the price, the down payment or the loan type and see how your payment changes.

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 Calistoga. 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 $30,433 (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

$7,170

at 7.18% · 30 years

Loan amount
$853,751
Total interest
$1,228,347
Paid off in
November 2056

Includes $14,684 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,994 a month

  • Tight

    $1,994 to $2,563 a month

  • Hard

    more than $2,563 a month

    Your payment · 101%

Compared with the typical household income in Calistoga ($85,446 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,170
Principal & interest$5,784
Property tax$500
Home insurance$362
FHA mortgage insurance (MIP)$524

You need at least $30,433 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

Calistoga and Napa County

Calistoga 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).

Calistoga's own numbers

Typical monthly rent
$1,767
Typical yearly household income
$85,446
Households that own their home
50%

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 Calistoga

The Census Bureau publishes no typical home value for Calistoga. Below are the numbers for Napa County.

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

Calistoga 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 monthly rent
  • Calistoga $1,767
  • Napa $2,237
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Calistoga $85,446
  • Napa $111,471
  • California $99,122
  • United States $80,734
See the full table
Calistoga next to Napa County and California
Measure Calistoga Napa County California U.S.
Typical monthly rent $1,767 $2,237 $2,036 $1,413
Typical yearly household income $85,446 $111,471 $99,122 $80,734
Households that own their home 50% 63% 56% 65%
Renters with high rent for their income 43% 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 Calistoga

The Census Bureau publishes no typical home value for Calistoga, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 Calistoga and for Napa County.

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 Calistoga

Typical rent in Calistoga is $1,767 a month: 21% below the county. In Calistoga, 43% 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 Calistoga

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Calistoga is in ZIP code 94515.

For 2 bedrooms it is $2,990: $385 less than the fair market rent for Napa County ($3,375).

  • 94515 $2,990$3,800

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Calistoga 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 Calistoga

HUD lists 3 buildings with rents for lower incomes in Calistoga. These are the largest.

  • Calistoga Family Apartments 1715 Washington St, Calistoga 94515 48 homes, 47 low-income · 1 bd: 16 · 2 bd: 16 · 3 bd: 16 · In service since 2015 · For families
  • La Pradera 38 Brannan St, Calistoga 94515 48 homes, 47 low-income · In service since 1994 · For families
  • Palisades Apts 40 Brannan St, Calistoga 94515 24 homes, 23 low-income · 1 bd: 14 · 2 bd: 10 · In service since 2009

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

Free help

Help to buy or rent in Calistoga

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Calistoga

No down payment, repair or rent-help program on our list is for Calistoga or Napa County. The ones below are statewide in California: they work in Calistoga 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 Calistoga

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

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 42 miles away · Spanish

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

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 44 miles away

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

All counseling agencies in California

Help in Spanish near Calistoga

1 of the 3 agencies on this list says it serves 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 Calistoga

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

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Calistoga

Short answers with the numbers for Calistoga 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 it cost to rent in Calistoga?

Typical rent in Calistoga is $1,767 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 Calistoga?

Calistoga 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.

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

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).