Property tax in Napa County, California
A county-level estimate for buyers and owners, with the data vintage and uncertainty shown instead of hidden.
Estimated annual property tax
For a $869,500 home (the county median):
$5,995/yr (estimated range $5,096-$6,894)
Effective rate: 0.69% - Accuracy: Tier 1 - Medium confidence
Homeowners insurance budget
$3,673/yr (wide budgeting range $2,204-$5,142)
Low confidence This is a historical budgeting benchmark, not a current carrier quote. The baseline is the 2022 NAIC HO-3 state average of $1,492/yr, adjusted for home value and FEMA county risk.
- FEMA risk percentile
- 95.26 (Relatively High)
- NAIC baseline as of
- 2022-12-31
- FEMA version
- 1.20, 2025-12-01
Sources: NAIC Homeowners Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.
Illustrative monthly PITI
$5,202/mo under the assumptions below
| Principal & interest | $4,397 |
|---|---|
| Property tax | $500 |
| Homeowners insurance | $306 |
| PMI | $0 |
| Estimated total | $5,202 |
Assumes 20% down, a 6.5% fixed interest rate, and a 30-year term. The rate is an assumption, not today's market rate or a loan offer.
How local carrying costs affect affordability
For an illustrative household earning $100,000/yr, with $500/mo in other debts and a $50,000 down payment, the modeled maximum price is:
$348,410 under this county's tax and insurance burden
Compared with the California launch-county average baseline of $352,311, this is $3,901 lower.
Medium confidence Uses 28% / 36% front/back DTI, a 6.5% assumed rate, a 30-year term, and estimated tax and insurance that scale with price. It is not a loan pre-approval.
Estimate for budgeting only — not a loan pre-approval, lending decision, or financial advice. Verify with the county assessor and a licensed professional before making financial decisions.
How Napa County compares within California
Tax-rate rank: 35 of 58 published California counties when sorted from highest to lowest effective rate.
The county's 0.69% effective rate is 0.01 percentage points below the California published-county average of 0.7%; the state median is 0.7%.
The $869,500 county median home value ranks 8 of 58 from highest to lowest and is $388,400 above the California county median of $481,100.
FEMA places Napa County at risk percentile 95.26 (Relatively High), which is used only as a bounded relative adjustment to the historical state insurance baseline.
Counties with similar effective rates
- Mendocino County: 0.69% effective rate; $512,200 median home value
- Sierra County: 0.69% effective rate; $331,900 median home value
- Shasta County: 0.69% effective rate; $366,400 median home value
Calculate your price and monthly cost
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Source, method & confidence
Confidence: Medium. County-level effective rate derived from ACS medians; not a jurisdiction-specific mill rate.
Data as of 2024-12-31 (ACS period ending); tax year 2024; data version 2024.1.
Sources: U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25103; U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25077; California State Board of Equalization, Proposition 13.
Assumptions and exclusions
- Effective property-tax rate of 0.69% applied to the full home value (ACS median tax paid ÷ median home value).
- Uncertainty band of ±15% reflects intra-county variation not captured by a single county rate.
- Excludes special districts, local levies, and any exemptions (estimated separately at higher tiers).
Common questions about Napa County carrying costs
- What is the property tax rate in Napa County, California?
- The estimated effective property tax rate in Napa County is 0.69%. On the county median home value of $869,500, that is about $5,995 per year (estimated range $5,096 to $6,894), based on U.S. Census ACS 2024 data.
- How much is property tax on a $869,500 home in Napa County?
- About $5,995 per year at a 0.69% effective rate. Actual bills vary with assessment, exemptions, and local levies, so treat this as a budgeting estimate rather than a tax bill.
- How much is homeowners insurance in Napa County, California?
- A budgeting estimate of $3,673 per year (wide range $2,204 to $5,142), based on the 2022 NAIC HO-3 state average adjusted for FEMA county risk. It is a historical benchmark, not a carrier quote.
- What is the estimated monthly PITI payment for a home in Napa County?
- About $5,202 per month for a $869,500 home, assuming 20% down, a 6.5% interest rate, and a 30-year term. PITI covers principal, interest, property tax, and homeowners insurance.