Napa County, California has a 2026 one-unit conforming loan limit of $1,017,750, which is 1.2 times the county's median home value of $869,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $111,471 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $1,017,750 |
| 2-unit limit | $1,302,900 |
| 3-unit limit | $1,574,900 |
| 4-unit limit | $1,957,250 |
| Median home value (ACS 2020–24) | $869,500 |
| California median home value | $734,700 |
| Limit ÷ median home value | 1.17× |
| Median household income | $111,471 |
| Median home value ÷ income | 7.8× |
| Population | 134,869 |
| Median property tax paid (owners) | $5,995 |
| Effective property tax rate (approx.) | 0.69% |
| Owner-occupied homes | 63.4% |
| Home value rank in California | 8 of 58 counties |
| Neighbor: Lake County, CA | limit $832,750; median home $324,300 |
| Neighbor: Solano County, CA | limit $832,750; median home $617,700 |
| Neighbor: Sonoma County, CA | limit $897,000; median home $815,500 |
| Neighbor: Yolo County, CA | limit $832,750; median home $620,700 |
Across California's 58 counties, FHFA's 2026 one-unit limits range from $832,750 to $1,249,125, with 17 high-cost counties. Napa County's median home value is 18% above the state median of $734,700 (rank 8 of 58). Among its 4 neighboring counties, Sonoma County has the highest median home value ($815,500) and Lake County the lowest ($324,300); 4 neighbor(s) have a different loan limit. Owners pay a median $5,995 a year in property tax, an effective rate of about 0.69% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.