In St. Helena, a typical home is worth $1,647,700 and typical rent is $2,535 a month. Compared with all of Napa County, the typical home value is 89% higher and typical household income is 33% higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,860,555 to $1,630,683.
Typical rent
$3,225a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Helena 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
The typical home in St. Helena is worth $1,647,700,89% more than in Napa County as a whole ($869,500).
2
Nearby, in Larkfield-Wikiup, the typical home value is $704,700: 57% less than in St. Helena ($1,647,700).
3
Nearby, in Calistoga, the typical rent is $1,767: 30% less than in St. Helena ($2,535).
4
The typical household income in St. Helena is $148,750,33% more than in Napa County as a whole ($111,471).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Helena
What homes there are in St. Helena, 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
St. Helena
Napa County
California
United States
Kind of home: St. Helena and its comparisons
Measure
St. Helena
Napa County
California
United States
Detached house
66%
67%
57%
61%
Attached house
4%
6%
7%
6%
Building of 2 to 4
Unreliable estimate
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
14%
24%
19%
Mobile home
10%
6%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Napa County, most homes in St. Helena are detached houses (66%).
In St. Helena there are many mobile homes: 10% of homes; in Napa County, 6%.
Year built
Before 19601960–19791980–19992000–20092010 or later
St. Helena
Napa County
California
United States
Year built: St. Helena and its comparisons
Measure
St. Helena
Napa County
California
United States
Before 1960
30%
27%
27%
26%
1960–1979
31%
30%
29%
24%
1980–1999
28%
24%
25%
25%
2000–2009
6%
12%
11%
14%
2010 or later
4%
7%
8%
11%
By age, homes in St. Helena look like those in Napa County: the typical year built is 1974.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K14%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or more68%
Value of owner-occupied homes: St. Helena and its comparisons
Measure
St. Helena
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
14%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
68%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99917%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or more37%
Monthly rent with utilities: St. Helena and its comparisons
Measure
St. Helena
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
17%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
37%
Owners with a mortgage
53%
Napa County: 62%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Helena+48%
Napa County+37%
California+46%
United States+53%
Typical rent
St. Helena+52%
Napa County+32%
California+36%
United States+33%
Typical household income
St. Helena+65%
Napa County+26%
California+32%
United States+29%
Change since 2015–2019: St. Helena and its comparisons
Measure
St. Helena
Napa County
California
United States
Typical home value
+48%
+37%
+46%
+53%
Typical rent
+52%
+32%
+36%
+33%
Typical household income
+65%
+26%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in St. Helena rose 48%; in Napa County, it rose 37%.
Rents in St. Helena rose faster than in Napa County: 52% since 2015–2019, against 32%.
Income in St. Helena grew faster than housing: it rose 65%, while home values changed +48% and rent +52%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Helena and its comparisons
Measure
St. Helena
Napa County
California
United States
Rental vacancy
Unreliable estimate
5.5%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
6.4%
8.2%
3.4%
People per household
2.25
2.63
2.84
2.53
Drive alone
68%
70%
66%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
7%
4%
3%
3%
Work from home
20%
15%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in St. Helena are smaller: 2.25 people on average; in Napa County, 2.63.
In St. Helena, 20% of workers work from home, more than in Napa County (15%).
Do the math
What would you pay each month for a home in St. Helena?
A typical home costs more than the typical income allows
We start with a typical home in St. Helena, worth $1,647,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 107% of the typical household income in St. Helena, which is $148,750 a year. For that payment to be 28% of income, a household would need to earn about $569,970 a year. Note: at that price the loan is above the FHA limit for Napa County ($1,017,750), so FHA would not insure it; the payment is only a reference.
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 St. Helena. 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 $57,670 (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
$13,299
at 7.18% · 30 years
Loan amount
$1,617,856
Total interest
$2,327,715
Paid off in
November 2056
Includes $27,826 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,471 a month
Tight
$3,471 to $4,463 a month
Hard
more than $4,463 a month
Your payment · 107%
Compared with the typical household income in St. Helena ($148,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$10,960
Property tax
$659
Home insurance
$687
FHA mortgage insurance (MIP)
$994
This loan is over the FHA limit
You'd borrow $1,590,030, but the FHA limit for a one-unit home in St. Helena is $1,017,750. You'd need a bigger down payment or a different loan.
You need at least $57,670 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 $13,299; principal and interest $10,960.
The city and its county
St. Helena and Napa County
St. Helena 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).
St. Helena
Map of Napa County, California, with St. Helena marked. Around it, the neighboring counties.
St. Helena
Napa County
Other cities with a page
St. Helena's own numbers
Typical home value
$1,647,700
Typical monthly rent
$2,535
Typical yearly household income
$148,750
Households that own their home
66%
Effective property tax rate
0.48%
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 St. Helena is worth $1,647,700: 89% above the county and 124% above California. With the typical household income in St. Helena ($148,750 a year), a typical home costs 11.1 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.
St. Helena11.1 years
Napa7.8 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
St. Helena 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
St. Helena$1,647,700
Napa$869,500
California$734,700
United States$332,700
Typical monthly rent
St. Helena$2,535
Napa$2,237
California$2,036
United States$1,413
Typical yearly household income
St. Helena$148,750
Napa$111,471
California$99,122
United States$80,734
See the full table
St. Helena next to Napa County and California
Measure
St. Helena
Napa County
California
U.S.
Typical home value
$1,647,700 ▲89% above the county
$869,500
$734,700
$332,700
Typical monthly rent
$2,535 ▲13% above the county
$2,237
$2,036
$1,413
Typical yearly household income
$148,750 ▲33% above the county
$111,471
$99,122
$80,734
Households that own their home
66% ▲3 points above the county
63%
56%
65%
Typical yearly property tax
$7,947 ▲33% above the county
$5,995
$5,124
$3,119
Effective property tax rate
0.48% ▼0.21 points below the county
0.69%
0.7%
0.94%
Renters with high rent for their income
58% ▲3 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 St. Helena
For a typical $1,647,700 home in St. Helena, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Helena's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$13,299a month
Above the FHA limit for Napa County ($1,017,750)
Down payment
$57,670
Cash to close
$107,101
Rate
7.18%
Mortgage insurance
FHA MIP · $994
Conventional, 5% down$12,732a month
Above the conventional limit for Napa County ($1,017,750): it would be a "jumbo" loan
Down payment
$82,385
Cash to close
$131,816
Rate
7.18%
Mortgage insurance
PMI · $783
Conventional, 20% down, no PMI$10,275a month
Above the conventional limit for Napa County ($1,017,750): it would be a "jumbo" loan
Down payment
$329,540
Cash to close
$378,971
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$11,799a month
Down payment
$247,155
Cash to close
$296,586
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Helena
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Napa County ($1,017,750)
$13,299
$57,670
$1,617,856
7.18%
FHA MIP · $994
$107,101
580
Conventional, 5% down Above the conventional limit for Napa County ($1,017,750): it would be a "jumbo" loan
$12,732
$82,385
$1,565,315
7.18%
PMI · $783
$131,816
620*
Conventional, 20% down, no PMI Above the conventional limit for Napa County ($1,017,750): it would be a "jumbo" loan
$10,275
$329,540
$1,318,160
7.18%
None
$378,971
620*
ITIN, 15% down (example)
$11,799
$247,155
$1,400,545
8.18%
None
$296,586
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.
Typical rent in St. Helena is $2,535 a month: 13% above the county. In St. Helena, 58% 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 St. Helena
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Helena is in ZIP code 94574.
For 2 bedrooms it is $3,100: $275 less than the fair market rent for Napa County ($3,375).
Fair market rent by ZIP code and size in St. Helena, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
94574
$2,160
$2,370
$3,100
$3,860
$4,680
ZIP code2 bd3 bd
94574 $3,100$3,860
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Helena 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 St. Helena or Napa County. The ones below are statewide in California: they work in St. Helena 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 St. Helena 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 St. Helena 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 St. Helena?
The typical home value in St. Helena is $1,647,700, 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 St. Helena?
Typical rent in St. Helena is $2,535 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 St. Helena?
St. Helena 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 St. Helena?
The typical homeowner in St. Helena pays $7,947 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Napa County, the rate is 0.69%.
Where can I find free help to buy or rent in St. Helena?
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.
