RentData

Average Rent in Napa, CA Rents rising 4.0% YoY🔺 8th priciest in CA

HUD FY2025 · Official government data · Updated annually · Metro pop. 136,070

Data review: HUD FY2025Sources: HUD, Zillow, CensusMethodologyEditorial standardsReport a correction

Market Overview

Napa, CA has rental prices ranging from $1,915/month to $4,144/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $2,128/month — 52% above the national average of $1,400/month. With a median household income of $108,970/year, spending $2,128/month on a 1-bedroom represents 23% of gross income — within the recommended 30% threshold.

How Napa Compares

With an average 2-bedroom rent of $2,792/month, Napa ranks #8 most expensive of the 51 cities tracked in California — pricier than 100% of all US cities in our data.

The Napa Rental Market

The Napa, CA area has a population of about 136,070 and 36% of households renting rather than owning. That is close to the US average renter share of ~34%.

Rent Trends

2-bedroom rents in Napa, CA have risen by $108/month (4.0%) over the past year, from $2,684 to $2,792. This modest growth is consistent with broader inflationary trends seen across US rental markets.

Affordability

To afford a 1-bedroom apartment in Napa, CA without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $85,120. The local median household income of $108,970 exceeds that threshold by $23,850, making Napa relatively accessible compared to local wages.

Rent vs. Buy

The median home value in Napa, CA is $883,079, giving a price-to-rent ratio of 26.4. With a break-even horizon of approximately 26 years, renting is likely the more financially prudent option for most residents unless they plan to stay long-term.

Neighborhoods

Home values — and by extension rent levels — vary significantly across Napa's neighborhoods. Among the highest-value areas are Westwood ($624,273 median home value), Sheveland Ranch ($669,618 median home value), Coventry Manor ($694,084 median home value). Rental prices typically follow home value patterns, with premium neighborhoods commanding higher rents than outer areas. Renters on a tighter budget may find better value in less central neighborhoods or in adjacent metros with lower overall rent levels.

Fair Market Rents

HUD FY2025
Studio
$1,915
Affordable
1 Bedroom
$2,128
Affordable
2 Bedrooms
$2,792
4.0% YoY
Average
3 Bedrooms
$3,636
Expensive
4 Bedrooms
$4,144
Expensive
🔔
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Median Home Value
$883,079
Source: Zillow ZHVI
Est. monthly payment
$4,700/mo
20% down · 30yr · 7%

Is Napa, CA Affordable?

Income needed to rent or buy, price history, and how this city compares to nearby metros.

Affordability Index(30% income rule)

To rent a 2BR
$111,680/year
Local median income: $108,970
To buy a median home
$188,005/year
US national median: $75,000
💡 Based on a 2BR rent of $2,792/month and 20% down on a $883,079 home at 7% rate.

Nearby Cities in CAlargest metros in the state

CityStudio1BR2BR3BRHome Value
Los Angeles$1,856$2,081$2,625$3,335
Santa Ana$2,352$2,454$2,903$3,927
Oakland$1,937$2,201$2,682$3,432
San Francisco$2,275$2,780$3,318$4,138
Riverside$1,776$1,852$2,306$3,079
San Diego$2,145$2,328$2,881$3,852

Rent or Buy in Napa?

Break-even analysis and mortgage estimates based on local market data.

Should I Rent or Buy?

Break-even analysis using real Napa data

$
Home Value
$883,079
2BR Rent
$2,792/mo
Mortgage Rate
7%
Monthly P&I
$4,700/mo
🏠 Buy

Buying breaks even after 2 years — worth it if you stay 2+ years.

Total monthly buy cost: $6,503/movs rent: $2,792/mo
Estimates only. Excludes HOA, PMI (if <20% down), closing costs, and tax benefits. Assumes 5% return on invested down payment.

Mortgage Calculator

Estimate monthly payment for $883,079 home at 7% rate

20% — $176,616
3%50%
Estimated Monthly Payment
$4,700
per month · 30 years · 7% APR
Loan Amount
$706,463
Total Paid
$1,692,042
Total Interest
$985,579
Estimated only. Excludes taxes, insurance, HOA. Rate from FRED.

Living in Napa

Cost of living, job market, crime rates, and moving cost estimates.

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Frequently Asked Questions

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🏘️Neighborhoods in Napa

Compare rent & home prices by neighborhood

⚖️Rent vs Buy in Napa

Is it cheaper to rent or buy here?

💵Rent Affordability in Napa

Salary needed to afford rent here

🗺️All Cities in CA

See how Napa ranks statewide

⚖️Compare Napa

Side-by-side rent & cost of living with any city

📋CA Tenant Rights

Deposit limits, eviction laws & renters protections