Napa, California.
Typical home $861,798 (-1.4% in a year), asking rent $2,815 (+2.5%). Napa, CA metro.
to buy the typical home at today's mortgage rate — +$1,927 (+74%) since Jan 2020.
- 1 year
- Down $11,974 -1%
- $873,771$861,798 since Sep 2025
- 5 years
- Up $27,652 +3%
- $834,145$861,798 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Napa$4,523
- California$3,997
- United States$1,922
Typical home values in Napa, CA fell 1.4% over the past year — slower than the nation's +1.2%.
Asking rents in Napa, CA rose 2.5% over the past year — in step with the nation.
Owning the typical home in Napa runs $3,126/mo more than renting one. The gap peaked at $3,838 in Oct 2023.
That is $5,941 a month against $2,815 rent: a $4,523 mortgage payment, plus $495 property tax and $923 insurance & upkeep.
Owning vs renting — Napa
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,941
- Renting$2,815
- Mortgage only$4,523
Property tax · $495/mo 0.69% of value a year — the ACS 2020-2024 median bill over the median home value for Napa County, CA
Insurance & upkeep · $923/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Napa, Napa County, California
Napa is a city of 79,246 people in Napa County. Half its households earn more than $105,963 a year and half less, against $111,471 across Napa County; 8% of its people live below the poverty line. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Napa was 4.3% in August 2026, and Napa County had 1.5% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Napa is a city of mid-sized population, and its residents are somewhat older than the typical American community. Incomes run a little below the county's as a whole, and most households own the homes they live in, though the typical home price and the typical rent are both high. Winters are cool and mild, with little or no snow, and the warmest weather comes in September.
Work. Many residents work in schools, hospitals and social care, with manufacturing, professional and business services, and restaurants, hotels and entertainment also employing a good share. Among the largest workplaces in Napa are Napa Valley Unified, the school district, and Queen of the Valley Medical Center, a general hospital. Jobs across Napa County have slipped slightly over the past year, and the commute for most workers is a moderate one.
Things to do. In or beside town, the Napa Valley Opera House is a theatre and COPIA is a museum, both an easy trip from home. Lake Berryessa, a reservoir, is a longer drive away, as is Jack London State Historic Park, a protected area for walking and open air.
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- 29,984households
- 38%of adults have a degree
- 8%below the poverty line
- 24 mintypical commute
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. Napa County had 79,072 jobs in 2025, 1.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 58° and lows near 40°; warmest in September, with highs near 84° and lows near 53°. About 27 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Napa State Hospital weather station, 2 miles away (NOAA).
Largest workplaces in Napa
- Napa Valley UnifiedSchool district1,416FTE
- Queen of the Valley Medical CenterGeneral hospital723FTE
- Srga ResortsHotels465
- Walsh Vineyards ManagementFarm labor contractors318
- Silverado Farming CompanyFarm labor contractors242
- WalmartWarehouse clubs and supercenters237
- Pearls Farm LaborFarm labor contractors225
- Napa191
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 52 workplaces with 20 or more staff, 6,053 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesRelatively high
- Inland floodingRelatively high
- Droughtrelatively high in parts of NapaRelatively moderate
- Coastal floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Napa’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Napa County and the Napa, CA metro.
Napa home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Napa$861,798
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Napa listings, and the typical home goes pending in 33 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Napa23.20%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Napa33
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Napa370
New listings per month
Sellers arriving at the market.
- Napa84
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Napa$847,594
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Napa98.10%
Zip codes with a Napa address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Napa — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Napa
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 94558 | Napa | 63,657 | $2,903 | $892,001 |
| 94559 | Napa | 27,714 | $2,757 | $783,972 |