As California’s #1 Retail Mortgage Lender, our Napa mortgage brokers work together to make your home financing feel like a win. From fast mortgage pre-approvals to finding the perfect home loan program, we’re dedicated to one thing: You.
Napa: Economic Profile & Market Outlook
Located in Napa County, Napa presents a compelling case for residents and investors alike. This profile highlights the essential economic, real estate, and lifestyle metrics defining the local market.
📉 Economic Landscape & Business Vibe
- Maj Employers: Local Health Systems, Retail, Govt
- Clusters: Local Services & Agriculture
- Unempl Rate (2025): 5.2%
- Pop: Sized locally (Varies)
- Med Age: 40.0
- Household Income Trend: $105,000 (H1 2024-2025 avg)
🏠 Real Estate Market & Cost of Living
For prospective homeowners and investors, here is the current market snapshot:
- Median Home Price (2025): $917,500
- Inventory Trends: Stable (Balanced)
- Prop Tax Environment: 1.25% (Average Effective). Avg Cost of Living: ~35-50% above state average (High, primarily housing-driven).
🎓 Education & Family Suitability
Families prioritizing education will find Napa to be a strategic choice:
- Top Regional HS | 9-12 | 8/10 | Public
- Local Magnet School | K-12 | 8/10 | Public
- Highly Rated ES | K-5 | 9/10 | Public
Family Appeal: Excellent. Napa is a top choice for families due to elite academic rankings and active community parks.
🌟 Lifestyle, Culture & Safety
Points of Interest: Pacific Coastline (N), Local State Parks (N), Historic Downtown Hubs (C)
Vibe & Safety: Quiet hillside living with stable, low-crime environments; highly sought after for security and privacy. Concentration of safety found in established residential pockets.
- Healthcare: Sutter Health, Kaiser Permanente, Stanford Health
- Public Transit: BART, Caltrain, Local Transit
- Utility Providers: PG&E
Data sources: California Association of Realtors, US Census Bureau, GreatSchools, and local municipal reports (2024-2026).
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Current Mortgage Rates
Feb 24, 2026
| Program | Rate | APR |
|---|---|---|
| 30-Yr Purchase | 5.375% | 5.397% |
| 30-Yr Refinance | 5.625% | 5.641% |
| 30-Yr FHA Purchase | 5.125% | 5.675% |
| 30-Yr VA Purchase | 5.250% | 5.368% |
| 15-Yr Purchase | 5.000% | 5.038% |
| 15-Yr Refinance | 5.250% | 5.296% |
| 10/6 ARM Purchase | 5.875% | 5.883% |
| 7/6 ARM Purchase | 5.750% | 5.753% |
Rates subject to change. Get Quote