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Market MapCaliforniaNapa

Napa County

CaliforniaPopulation: 137,384
33
/100
Avoid
#993 of 1,000 counties
#50 in California (58 counties)

Market Snapshot

$868,337
Median Home Price
217% above national median
$2,887/mo
Median Rent
93% above national median
3.99%
Rent-to-Price Ratio
Top 95% nationally
-$2,675
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$868,337
Down Payment (20%)$173,667
Loan Amount$694,670
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,887
Monthly P&I-$4,552
Est. Expenses (35%)-$1,010
Net Cash Flow-$2,675/mo
2.6%
Cap Rate (all cash)
-16.1%
Cash-on-Cash Return
3.99%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 2.6% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
33/100
33
Cash Flow(30%)
30/100

Based on 3.99% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
30/100

Based on -4.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
19/100

Price-to-income ratio of 8.2x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (3.99%)
  • -Declining home values (-4.0% YoY)
  • -Negative cash flow at typical financing (-$2,675/mo)
  • -Negative leverage (cap rate 2.6% < mortgage rate 6.9%)

Economic Indicators

Population
137,384
Median Income
$105,809
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
8.2x
Less affordable

Compare to Nearby Counties

CountyVerdict
Santa CruzCA
34$1,098,636$3,4093.72%AvoidView
CurrentNapaCA
33$868,337$2,8873.99%Avoid
San DiegoCA
33$910,765$2,9333.86%AvoidView
OrangeCA
33$1,139,098$3,1543.32%AvoidView
Los AngelesCA
33$859,958$2,8093.92%AvoidView
San MateoCA
31$1,511,224$3,4632.75%AvoidView

The Bottom Line

AvoidNapa may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Napa County in California scores 33/100, ranking #993 of 1,000 US counties (top 99%). The 3.99% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-2,675/mo
Cap Rate
2.6%
Cash-on-Cash
-16.1%

Ready to Analyze a Deal in Napa?

Use our investment calculators to run detailed numbers on specific properties.

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