Napa County, California home prices
Typical home $869,491 · -1.0% in a year · property tax 0.69%
The typical home in Napa County is worth $869,491, 14% more than the California typical home ($761,538). Values changed -1.0% in the past year and +2.6% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($5,995 on the typical home), versus 0.72% statewide.
Mortgage on the typical Napa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $173,898 | $695,593 | $4,679 | $0 | $934 | $5,614 | $240,600 |
| 10% down | $86,949 | $782,542 | $5,264 | $326 | $934 | $6,525 | $279,600 |
| 5% down | $43,475 | $826,016 | $5,557 | $344 | $934 | $6,835 | $292,900 |
| 3.5% down (FHA) | $30,432 | $853,742 | $5,743 | $385 | $934 | $7,062 | $302,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Napa metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ventura County | $869,794 | +1.1% | 0.68% |
| Los Angeles County | $871,674 | +0.4% | 0.68% |
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
| Monterey County | $841,129 | +1.2% | 0.63% |
| San Diego County | $926,979 | +0.8% | 0.68% |
| Sonoma County | $782,980 | +0.8% | 0.7% |
| Contra Costa County | $768,394 | -0.5% | 0.83% |
| San Benito County | $763,020 | +0.1% | 0.81% |
| Mono County | $758,836 | +3.2% | 0.65% |
| Santa Barbara County | $988,595 | +4.3% | 0.65% |
Frequently asked questions
What is the average home price in Napa County, CA?
The typical home value in Napa County is $869,491 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Napa County?
About $240,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Napa County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).