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Learn about the people, housing, costs and businesses in Napa Valley, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Napa Valley.
True all-in cost — P&I, taxes, insurance & utilities for homes in Napa Valley.
Find and compare lenders active near Napa Valley.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Napa Valley.
Seismic risk and earthquake insurance estimates for Napa Valley.
Wildfire exposure and insurance estimates for Napa Valley.
As of today, the 30-year fixed mortgage rate for Napa Valley is approximately 6.855% (6.890% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Napa ValleyThe median home value in Napa Valley is $665k. The median monthly rent is $1,932. Annual property taxes average $5k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Napa Valley have increased 8.6% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,970/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $84k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Napa Valley is $100k/year.
Calculate your buying powerThe largest employment sectors in Napa Valley are public administration (21%) and retail (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.