Napa, CA home prices
Typical home $869,373 · -1.0% in a year · income needed $240,600
The Napa, CA metro area ranks 20 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.0% in a year and +2.6% over five years. With 20% down at 7.11%, the typical home costs about $5,613 a month including 0.69% property tax (Napa County rate).
Mortgage on the typical Napa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $173,875 | $695,498 | $4,679 | $0 | $934 | $5,613 | $240,600 |
| 10% down | $86,937 | $782,436 | $5,263 | $326 | $934 | $6,524 | $279,600 |
| 5% down | $43,469 | $825,904 | $5,556 | $344 | $934 | $6,834 | $292,900 |
| 3.5% down (FHA) | $30,428 | $853,626 | $5,742 | $385 | $934 | $7,061 | $302,600 |
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.
Counties in the Napa area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Napa County, CA | $869,491 | -1.0% | 0.69% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Napa?
The typical home in the Napa, CA metro area is worth $869,373 (Zillow, September 2026).
What salary do you need to buy a house in Napa?
About $240,600 a year for the typical home with 20% down at 7.11%.