Total monthly cost of ownership
Cost to Own a Home in Yountville, California
A $749,000 home here costs
$5,272per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,851. The real number is $1,422 higher every month — 37% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Yountville against Napa County and California
| Measure | Yountville | Napa County |
|---|---|---|
| Median home value | $748,900 | $838,800 |
| Median property tax | $3,771 | $5,840 |
| Effective tax rate | 0.504% | 0.696% |
| Median gross rent | $2,144 | $2,141 |
| Population | 3,396 | 136,070 |
The weather behind that power bill
Yountville 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 $299 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
Common questions
How much does it cost to own a home in Yountville?
A $749,000 home in Yountville, California costs approximately $5,272 per month with 20% down at 6.66%. That is $3,851 principal and interest, $315 property tax, $116 homeowners insurance, $367 utilities and $624 set aside for maintenance.
What is the property tax rate in Yountville?
Yountville has an effective property tax rate of 0.504%, based on a median home value of $748,900 and median real estate taxes of $3,771. That is lower than the Napa County average of 0.696%.
What is the average home price in Yountville?
The median owner-occupied home value in Yountville, California is $748,900, against $838,800 across Napa County.
Is it cheaper to rent or buy in Yountville?
Median gross rent in Yountville is $2,144 a month, against $5,272 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Yountville — 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.