Total monthly cost of ownership
Cost to Own a Home in Napa, California
A $825,000 home here costs
$5,998per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $257,000 a year.
A standard mortgage calculator would have told you $4,498. The real number is $1,501 higher every month, 33% more than the payment most buyers budget for.
Compare Napa County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Napa against Napa County and California
| Measure | Napa | Napa County |
|---|---|---|
| Median home value | $824,500 | $838,800 |
| Median property tax | $5,603 | $5,840 |
| Effective tax rate | 0.680% | 0.696% |
| Median gross rent | $2,165 | $2,141 |
| Population | 78,816 | 136,070 |
The weather behind that power bill
Napa sits in Napa County, which averages a high of 84.6°F in its hottest month and a low of 38.8°F in its coldest, with 39.71" of precipitation a year and 60% of it in a single three-month stretch. That climate drives 604 cooling and 3,375 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Napa County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Napa County
Full Napa County cost breakdown · Every county in California
Talk to someone who works this market
These are Napa averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Napa every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Napa?
A $825,000 home in Napa, California costs approximately $5,998 per month with 20% down at 7.24%. That is $4,498 principal and interest, $468 property tax, $128 homeowners insurance, $218 utilities and $688 set aside for maintenance.
What is the property tax rate in Napa?
Napa has an effective property tax rate of 0.680%, based on a median home value of $824,500 and median real estate taxes of $5,603. That is lower than the Napa County average of 0.696%.
What is the average home price in Napa?
The median owner-occupied home value in Napa, California is $824,500, against $838,800 across Napa County.
Is it cheaper to rent or buy in Napa?
Median gross rent in Napa is $2,165 a month, against $5,998 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Napa?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Napa, California at today's rate takes a household income of roughly $257,000 a year. That covers the full $5,998 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Napa, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for California.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.