In Napa, a typical home is worth $856,400 and typical rent is $2,282 a month. Home values, rent and income are very close to those of all of Napa County.
Typical home value from Zillow, September 2021 to September 2026: from $834,145 to $861,798.
Typical rent
$2,815a month
▲ 2.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,500 to $2,815.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Napa 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Vallejo, the typical home value is $589,500: 31% less than in Napa ($856,400).
2
Nearby, in Boyes Hot Springs, the typical rent is $1,876: 18% less than in Napa ($2,282).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Napa
What homes there are in Napa, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Napa
Napa County
California
United States
Kind of home: Napa and its comparisons
Measure
Napa
Napa County
California
United States
Detached house
62%
67%
57%
61%
Attached house
8%
6%
7%
6%
Building of 2 to 4
7%
6%
8%
8%
Apartments (5 or more)
18%
14%
24%
19%
Mobile home
4%
6%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Napa (62%), but less so than in Napa County (67%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Napa
Napa County
California
United States
Year built: Napa and its comparisons
Measure
Napa
Napa County
California
United States
Before 1960
28%
27%
27%
26%
1960–1979
33%
30%
29%
24%
1980–1999
23%
24%
25%
25%
2000–2009
9%
12%
11%
14%
2010 or later
7%
7%
8%
11%
By age, homes in Napa look like those in Napa County: the typical year built is 1974.
In Napa, 16% of homes have 1 bedroom or none (studios); 54% have 3 bedrooms or more, against 58% in Napa County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either side
Under $100K4%
$100K–$200K2%
$200K–$300K4%
$300K–$500K5%
$500K–$750K19%
$750K–$1M38%
$1M or more28%
FHA limit: $1,017,750
Value of owner-occupied homes: Napa and its comparisons
Measure
Napa
Under $100K
4%
$100K–$200K
2%
$200K–$300K
4%
$300K–$500K
5%
$500K–$750K
19%
$750K–$1M
38%
$1M or more
28%
With an FHA limit of $1,017,750, at least 72% of owner-occupied homes in Napa sit below it: they are worth less than $1,000,000.
Monthly rent with utilities
Under the limitOver the limitCould be either side
Under $5004%
$500–$9995%
$1,000–$1,4999%
$1,500–$1,99920%
$2,000–$2,49922%
$2,500–$2,99913%
$3,000 or more28%
HUD fair market rent, 2 bedrooms: $3,375
Monthly rent with utilities: Napa and its comparisons
Measure
Napa
Under $500
4%
$500–$999
5%
$1,000–$1,499
9%
$1,500–$1,999
20%
$2,000–$2,499
22%
$2,500–$2,999
13%
$3,000 or more
28%
With a HUD fair market rent of $3,375 for 2 bedrooms, at least 72% of rented homes in Napa sit below it.
With a mortgage
$3,246 a month
Napa County: $3,335 a month
Without a mortgage
$796 a month
Napa County: $915 a month
Owners with a mortgage
66%
Napa County: 62%
Owning costs about the same in Napa as in Napa County: with a mortgage, $3,246 a month; without one, $796.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Napa+39%
Napa County+37%
California+46%
United States+53%
Typical rent
Napa+34%
Napa County+32%
California+36%
United States+33%
Typical household income
Napa+26%
Napa County+26%
California+32%
United States+29%
Change since 2015–2019: Napa and its comparisons
Measure
Napa
Napa County
California
United States
Typical home value
+39%
+37%
+46%
+53%
Typical rent
+34%
+32%
+36%
+33%
Typical household income
+26%
+26%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Napa rose at about the same pace as in Napa County: 39% against 37%.
The typical rent in Napa rose 34% since 2015–2019, about the same as in Napa County (32%).
The typical household income in Napa rose 26%: less than home values (+39%) and rent (+34%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Napa and its comparisons
Measure
Napa
Napa County
California
United States
Rental vacancy
5.4%
5.5%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
6.9%
6.4%
8.2%
3.4%
People per household
2.57
2.63
2.84
2.53
Drive alone
71%
70%
66%
69%
Carpool
10%
9%
10%
9%
Public transit
1%
1%
3%
3%
Walk or bike
3%
4%
3%
3%
Work from home
14%
15%
17%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Open rentals in Napa look like those in Napa County: the rental vacancy rate is 5.4%.
Much as in Napa County, 6.9% of households in Napa have more than one person per room.
A household in Napa has 2.57 people on average, about the same as in Napa County (2.63).
In Napa, 71% of workers drive alone to work; in Napa County, 70%.
Do the math
What would you pay each month for a home in Napa?
A typical home costs more than the typical income allows
We start with a typical home in Napa, worth $856,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 78% of the typical household income in Napa, which is $105,963 a year. For that payment to be 28% of income, a household would need to earn about $296,765 a year.
The calculator's FHA and conventional loan limits are those of all of Napa County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Napa. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $29,974 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$6,924
at 7.18% · 30 years
Loan amount
$840,888
Total interest
$1,209,841
Paid off in
November 2056
Includes $14,462 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,472 a month
Tight
$2,472 to $3,179 a month
Hard
more than $3,179 a month
Your payment · 78%
Compared with the typical household income in Napa ($105,963 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$5,696
Property tax
$492
Home insurance
$357
FHA mortgage insurance (MIP)
$379
You need at least $29,974 for the down payment, plus closing costs.
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.
Total monthly payment $6,924; principal and interest $5,696.
The city and its county
Napa and Napa County
Napa 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).
Napa
Map of Napa County, California, with Napa marked. Around it, the neighboring counties.
Napa
Napa County
Other cities with a page
Napa's own numbers
Typical home value
$856,400
Typical monthly rent
$2,282
Typical yearly household income
$105,963
Households that own their home
59%
Effective property tax rate
0.69%
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.
A typical home in Napa is worth $856,400: about the same as the county and 17% above California. With the typical household income in Napa ($105,963 a year), a typical home costs 8.1 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.
Napa8.1 years
County7.8 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Napa County, 2016 to 2025
2016: +10.4% +10.4% 2016
2017: +5.5% +5.5% 2017
2018: +5.9% +5.9% 2018
2019: +2.6% +2.6% 2019
2020: +1.4% +1.4% 2020
2021: +10.9% +10.9% 2021
2022: +10.3% +10.3% 2022
2023: +1.3% +1.3% 2023
2024: +3.8% +3.8% 2024
2025: −1.0% −1.0% 2025
Change in FHFA’s price index in Napa County, California and the United States
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
Napa 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
Napa$856,400
County$869,500
California$734,700
United States$332,700
Typical monthly rent
Napa$2,282
County$2,237
California$2,036
United States$1,413
Typical yearly household income
Napa$105,963
County$111,471
California$99,122
United States$80,734
See the full table
Napa next to Napa County and California
Measure
Napa
Napa County
California
U.S.
Typical home value
$856,400
$869,500
$734,700
$332,700
Typical monthly rent
$2,282 ▲2% above the county
$2,237
$2,036
$1,413
Typical yearly household income
$105,963 ▼5% below the county
$111,471
$99,122
$80,734
Households that own their home
59% ▼5 points below the county
63%
56%
65%
Typical yearly property tax
$5,921
$5,995
$5,124
$3,119
Effective property tax rate
0.69%
0.69%
0.7%
0.94%
Renters with high rent for their income
56% ▲2 points above the county
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 Napa
For a typical $856,400 home in Napa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Napa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$6,925a month
Least cash to close
Down payment
$29,974
Cash to close
$55,666
Rate
7.18%
Mortgage insurance
FHA MIP · $379
Conventional, 5% down$6,768a month
Down payment
$42,820
Cash to close
$68,512
Rate
7.18%
Mortgage insurance
PMI · $407
Conventional, 20% down, no PMI$5,491a month
Down payment
$171,280
Cash to close
$196,972
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$6,282a month
Down payment
$128,460
Cash to close
$154,152
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Napa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$6,925
$29,974
$840,888
7.18%
FHA MIP · $379
$55,666
580
Conventional, 5% down
$6,768
$42,820
$813,580
7.18%
PMI · $407
$68,512
620*
Conventional, 20% down, no PMI
$5,491
$171,280
$685,120
7.18%
None
$196,972
620*
ITIN, 15% down (example)
$6,282
$128,460
$727,940
8.18%
None
$154,152
Set by the lender
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.
Typical rent in Napa is $2,282 a month: 2% above the county. In Napa, 56% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Napa County (Fiscal year 2027)
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 Napa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Napa has 2 ZIP codes with their own.
For 2 bedrooms it runs from $3,310 in 94559 to $3,530 in 94558.
1 of the 2 is above the fair market rent for Napa County ($3,375).
Fair market rent by ZIP code and size in Napa, fiscal year 2027.
94558
$2,460
$2,700
$3,530
$4,390
$5,330
94559
$2,300
$2,530
$3,310
$4,120
$5,000
ZIP code2 bd3 bd
94558 $3,530$4,390
94559 $3,310$4,120
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Napa 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Napa or Napa County. The ones below are statewide in California: they work in Napa the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Napa or Napa County in particular.
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.
Short answers with the numbers for Napa 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 Napa?
The typical home value in Napa is $856,400, 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 Napa?
Typical rent in Napa is $2,282 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 Napa?
Napa 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 Napa?
The typical homeowner in Napa pays $5,921 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Napa County, the rate is 0.69%.
Where can I find free help to buy or rent in Napa?
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.
