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County in California

Napa County, California

Napa County, in California, has 134,869 residents: No. 34 of 58 by population. Napa County has an FHA limit of $1,017,750 for one-unit homes. The typical home value here is $869,500. HUD's Fair Market Rent for a 2-bedroom apartment is $3,375 a month; to pay it without spending more than 30% of your income, you need to earn about $64.90 an hour.

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  • Typical home price

    $869,500

    +18% vs. California +161% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Napa
    • California
    • United States

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

  • Fair market rent, 2 bedrooms

    $3,375 a month

    +28% vs. California +93% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Napa
    • California
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $1,017,750

    FHA high-cost area

    The most you can borrow with an FHA loan for a one-unit home here.

    • Napa
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    0.69% of value per year

    −1% vs. California −27% vs. U.S.

    $5,995 a year for the typical owner

    • Napa
    • California
    • United States

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

Market now, with Zillow data

Zillow data
Typical home value
$869,491
1% less than 12 months ago
Typical rent
$2,906 a month
2.3% more than 12 months ago

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

Data from October 2026

In short

What is housing like in Napa County today?

The monthly payment on a typical home with FHA would be about $7,170, that is, 77% of the typical household income in Napa County. For that payment to be 28% of income, a household would need to earn about $307,298 a year; the typical income here is $111,471. Homes here are worth 18% more than the average across California. Here 63% of households live in a home they own; across California it is 56%. The typical property tax is $5,995 a year (about 0.69% of home value), higher than in California.

Renting is a stretch: 55% of renters put 30% or more of their income toward housing.

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

Only here

What sets Napa County apart

  1. Among the neighboring counties, Colusa County has the lowest typical home value ($393,400), 55% below the $869,500 in Napa County.

  2. Nearby, in Colusa County, the typical rent is $1,157: 48% less than in Napa County ($2,237).

  3. From 2020 to 2025, home prices in Napa County rose 27% on FHFA's index, slower than in California (40%).

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in Napa County

What homes there are in Napa County, 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

In Napa County, 7 in 10 homes are single-family detached houses; in California, 6.

Year built

By age, homes in Napa County look like those in California: the typical year built is 1976.

There is more room for a big family here: 58% of homes have 3 bedrooms or more, against 55% in California.

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

The FHA limit for this county is high ($1,017,750): at least 66% of owner-occupied homes in Napa County are worth less than $1,000,000.

Monthly rent with utilities

At least 73% of rented homes in Napa County cost less than $3,000, below HUD's 2-bedroom fair market rent ($3,375).

With a mortgage

$3,335 a month

California: $2,946 a month

Without a mortgage

$915 a month

California: $829 a month

Owners with a mortgage

62%

California: 67%

Owning costs more in Napa County: with a mortgage, the typical cost is $3,335 a month; in California, $2,946. Without one, $915.

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 home value in Napa County rose 37% since 2015–2019, less than in California (46%).

Rents in Napa County rose more slowly than in California: 32% since 2015–2019, against 36%.

Housing prices ran ahead of income in Napa County: typical income rose 26%, against +37% for home values and +32% 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

MeasureNapa CountyCaliforniaUnited States
Rental vacancy 5.5%4.2%5.5%
Homeowner vacancy 0.8%0.8%0.9%
More than one person per room 6.4%8.2%3.4%
People per household 2.632.842.53
Drive alone 70%66%69%
Carpool 9%10%9%
Public transit 1%3%3%
Walk or bike 4%3%3%
Work from home 15%17%15%
Other means 1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes

There is more rental housing open in Napa County: 5.5% is empty and offered for rent, against 4.2% in California.

More than one person per room: that is how 6.4% of households in Napa County live, less than in California (8.2%).

Households in Napa County are smaller: 2.63 people on average; in California, 2.84.

To get to work, 70% of workers in Napa County drive alone; in California, 66%.

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 in Napa County?

A typical home costs more than the typical income allows

We start with a typical home of $869,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 77% of the typical household income here, which is $111,471 a year. For that payment to be 28% of income, a household would need to earn about $307,298 a year.

Your numbers

Local data
$

Starts at the typical home value in Napa County. 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 $2,601 a month

  • Tight

    $2,601 to $3,344 a month

  • Hard

    more than $3,344 a month

    Your payment · 77%

Compared with the typical household income in Napa County ($111,471 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.

Buying a home

Buying a home in Napa County

Here you'll see how prices have changed, how Napa County compares with California and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Napa County rose 63% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here California United States
In 2025 −1.0% +0.8% +2.9%
5 years (2020–2025) +27% +40% +47%
10 years (2015–2025) +63% +80% +85%
See each year's change

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

Napa County compared with California and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Napa $869,500
  • California $734,700
  • United States $332,700
Typical rent a month
  • Napa $2,237
  • California $2,036
  • United States $1,413
Typical household income a year
  • Napa $111,471
  • California $99,122
  • United States $80,734
See the full table
Napa compared with California and the United States
MeasureHereCaliforniaU.S.
Residents134,86939,287,377334,922,499
Typical home value$869,500$734,700$332,700
Typical household income$111,471$99,122$80,734
Typical rent$2,237$2,036$1,413
Fair Market Rent (2 bedrooms)$3,375$2,632$1,750
Hourly wage to rent a 2-bedroom$64.90$50.62$33.65
Typical property tax$5,995$5,124$3,119
Effective tax rate0.69%0.7%0.94%
Households that own their home63%56%65%
Renters spending 30% or more on rent55%55%51%
FHA limit (1 unit)*$1,017,750$546,250$541,287

FHA limit: California shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Napa County

For a typical $869,500 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $7,170 $30,433 $853,751 7.18% FHA MIP · $524 $56,518 580
Conventional, 5% down $6,871 $43,475 $826,025 7.18% PMI · $413 $69,560 620*
Conventional, 20% down, no PMI $5,574 $173,900 $695,600 7.18% None $199,985 620*
ITIN, 15% down (example) $6,378 $130,425 $739,075 8.18% None $156,510 Set by the lender
  • 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.

Everything about buying in Napa County: income, limits and help How much house can I afford? Closing costs

Loan limits

This is a high-cost area, so FHA limits in Napa County are above the national floor. The limit is set for the whole metro area (Napa, CA). If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($1,017,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $1,017,750 $1,017,750
2 units $1,302,900 $1,302,900
3 units $1,574,900 $1,574,900
4 units $1,957,250 $1,957,250

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Napa County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Napa County, the typical owner pays $5,995 a year: about 0.69% of the home's value. That is close to the rest of California and less than the national average.

  • Napa 0.69%
  • California 0.70%
  • United States 0.94%

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

Exemptions and deadlines in California

Is there a flood risk?

According to FEMA, in Napa County 4% of homes (1,833) are in a high-risk flood zone. Of those homes, 36% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Napa County

The natural hazards FEMA measures in Napa County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

In Napa County, FEMA rates the natural hazard risk as relatively high.

FEMA builds that rating from three parts: expected loss, social vulnerability and community resilience.

In Napa County, FEMA expects natural hazards to cause $186 million in losses a year, counting buildings, people and crops.

Of all the hazards, FEMA expects inland flooding to do the most damage to buildings: about $88.8 million a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingRelatively high $88.8 million a year
  2. EarthquakeRelatively high $50.1 million a year
  3. WildfireRelatively moderate $4.7 million a year
  4. Coastal floodingRelatively moderate $985,471 a year
  5. TornadoVery low $173,701 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

The home energy code (IECC) puts Napa County in zone 3C: marine.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Check that the ground slopes away from the house, so water does not collect around the foundation. EPA

  • Summer

    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)
    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Winter

    • Keep indoor humidity below 60 % (ideally between 30 % and 50 %). A humidity meter is inexpensive and sold at hardware stores. EPA
    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$37.54$24.45 and $57.99
Plumbers, pipefitters and steamfitters$31.45$23.11 and $56.44
Heating, air conditioning and refrigeration mechanics$40.66$24.71 and $52.33
Carpenters$38.75$26.38 and $64.06
Painters, construction and maintenance$29.52$22.78 and $44.29
Maintenance and repair workers, general$29.74$21.60 and $42.71

In the Napa, CA area, half of electricians earn more than $37.54 an hour and half earn less; for a plumber, the typical figure is $31.45.

These are workers' hourly wages, not the price of a job.

BLS publishes no wages for roofers in this area.

Need help paying for a repair?

Renting

Renting in Napa County

The typical rent in Napa County is $2,237 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

55% of renter households in Napa County spend 30% or more of their income on housing. 27% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
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

Free help in Napa County

Programs and counseling in Napa County

We didn't find HUD-approved agencies with an office in this county. These are the 6 nearest; many serve by phone or online.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A street of one-story houses with trees and palms in Lake Balboa, in Los Angeles's San Fernando Valley.

HUD counseling is free or low-cost

California down payment programs

  1. MyHome Assistance Program

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California

    First-time buyers only. Run by California Housing Finance Agency (CalHFA).

    Deferred Verified November 5, 2026

  2. California Dream For All Shared Appreciation Loan

    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

    First-time buyers only. Run by California Housing Finance Agency (CalHFA).

    Shared appreciation Verified November 5, 2026

  3. MyAccess Program

    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)

    First-time buyers only. Run by California Housing Finance Agency (CalHFA).

    Deferred Verified November 5, 2026

Which programs do I qualify for? See all California programs

Help in Spanish in Napa County

3 of the 6 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.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

  • Housing Authority of the City of Napa Section 8 vouchers (707) 257-9543

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These are the nearest agencies, with the distance in miles. Many help by phone or online. Official HUD list. Confirm hours and fees with the agency before you go.

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 22 miles away

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

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 36 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 · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (510) 412-9290
See every agency in California

Places

Cities in Napa County

This site has no city pages of Napa County. The neighboring counties are below.

See all 4 cities of Napa County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Napa County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Napa County in 2026?

Napa County has an FHA limit of $1,017,750 for a one-unit home. For 2 units it's $1,302,900, for 3 it's $1,574,900 and for 4 it's $1,957,250. It's a high-cost area, so the limit is above the national floor.

What is the conforming loan limit in Napa County?

Napa County has a conforming limit of $1,017,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Napa County?

The typical home value in Napa County is $869,500 (Average 2020–2024, U.S. Census). Across California it's $734,700.

How much does it cost to rent in Napa County?

Napa County has a typical rent of $2,237 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $3,375 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Napa County?

About $64.90 an hour working full time (2,080 hours a year), or $135,000 a year, so the fair market rent of $3,375 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).