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Napa

Current Mortgage Rates in Napa, California

Compare mortgage rates and fees for leading lenders in Napa, CA. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Napa.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Napa. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in Napa, CA as of October 19, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's Napa, CA Mortgage Rates Compare?

October 19, 2019

The current average rate for a 30 year fixed rate mortgage in Napa is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Napa, CA Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Napa, California?

The median home value for Napa, CA is $678,780

The median household income for Napa, CA is $82,072

Based on current mortgage rates and a 10% down payment, you need to make $125,935 per year to buy the median priced home in Napa

The home price you can afford to buy based on household income in Napa is 65% of the median home value which means housing prices are very expensive

Napa ranks 43 out of 58 counties in California and 3,111 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Napa, CA is very expensive

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Loan Limits for Napa, California

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Napa below.

Conforming loan limits for Napa, CA

1 unit: $726,525
2 units: $930,300
3 units: $1,124,475
4 units: $1,397,400

FHA loan limits for Napa, CA

1 unit: $726,525
2 units: $930,300
3 units: $1,124,475
4 units: $1,397,400

VA loan limits for Napa, CA

1 unit: $726,525

Additional Mortgage Resources for Napa, CA Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index