Affordability evidence
Napa, CA home values, income, and owner costs
A borrower-focused reading of the latest ACS value, income, and owner-cost evidence for Napa, CA.
Source: U.S. Census Bureau
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The local figures answer the first question: In Napa, CA, the 2024 ACS reports a median owner-occupied home value of $856,400, median household income of $105,963, and median selected monthly owner costs of $3,246 for owners with a mortgage. For borrower planning, together, those three reference points can help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $3,246 measure combines recurring ownership expenses instead of real estate taxes alone. A useful affordability review starts with $856,400, $105,963, and $3,246, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.
Napa, CA's $856,400 median home-value estimate is above the statewide $734,700 estimate, with a reported city-to-state gap of 16.6%.