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Napa city, CA

ZIP 94558 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94558

Median Home Value
$855,600
Median Rent
$2,090
Affordability Snapshot
$236,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,496/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.8x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

34.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 94558 in Napa city, CA, a household would need roughly $236,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,496. That is about 116% above the local median household income ($109,444), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.3%+3% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
38.0%-1% vs US avg
x
$855,600
Home Value
$2,090
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.0%
  • 1-unit attached6.2%
  • 2-9 units8.6%
  • 10+ units11.4%
  • Mobile home & other5.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$855,600
Median rent$2,090
Owner-occupied67.3%
Vacant10.6%
Price-to-income7.8x
Est. income to buy$236,000