California · Census, HUD and BEA figures · Updated

Cost of Living in Napa County, CA

Prices around Napa County, CA run 12.6% above the U.S. average (BEA, the metro area). The typical household there earns $111,471 a year, and HUD puts a two-bedroom at $3,315 a month. Keeping that rent under 30% of income takes about $132,600 a year.

Napa County, CA at a glance

Median household income

$111,471$9,289 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$3,315HUD FY2026 Fair Market Rent
Price level (U.S. = 100)112.6+12.6% · BEA, the metro area
Electricity34.7¢per kWh · EIA Residential CA
Population134,869Census ACS 5-year estimate

How much rent can you afford in Napa County, CA?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Moderate cost burden (30–50%)
HUD Fair Market Rent$3,315Monthly market rent
Share of gross income35.7%Recommended max: 30%
Annual income needed$132,600To meet the 30% standard
Max affordable rent$2,787At 30% of $111,471
0%30% (Affordability standard)100%
Compare against:

How much is rent in Napa County, CA? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Napa, CA MSA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Napa County, CA, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$2,286$27,432$91,44024.6%
1-Bedroom Apartment$2,526$30,312$101,04027.2%
2-Bedroom ApartmentBenchmark$3,315$39,780$132,60035.7%
3-Bedroom Home$4,222$50,664$168,88045.5%
4-Bedroom Home$4,942$59,304$197,68053.2%

Rent in Napa County, CA, with the wage each unit needs →

What a typical income covers in Napa County, CA

The 50/30/20 rule applied to the local median of $111,471 a year ($9,289 a month before tax).

Needs (50%)$4,645/moRent ($3,315 2-BR), utilities (~$313/mo), groceries, transit
Wants (30%)$2,787/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,858/moEmergency fund, retirement, paying down loans

What $111,471 leaves after California taxes

Federal income tax, Social Security, Medicare and California tax on the local median income. Change the salary to see yours.

$111,471
$40,000$225,000
Filing status:
Gross salary breakdown$111,471
Net 73%
Fed 14%
CA 5%
FICA 8%
Annual take-home$81,128After all taxes
Monthly deposit$6,761Estimated per month
Biweekly paycheck$3,120Every 2 weeks (26/yr)
Effective tax rate27.2%Total tax burden
Federal income tax$15,694 / yr
California state income tax$6,122 / yr
FICA (Social Security & Medicare)$8,528 / yr

Living in Napa County, CA: common questions

What is the median household income in Napa County, CA?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Napa County, CA is $111,471 per year (approximately $9,289 per month).

What is the average rent in Napa County, CA?

The closest official figure is HUD's Fair Market Rent for 2026: $2,286 for a studio, $2,526 for one bedroom, $3,315 for two, $4,222 for three and $4,942 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Napa County, CA expensive to live in?

Prices there run 12.6% above the U.S. average. BEA's regional price parity for the metro area is 112.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Napa County, CA?

To keep a $3,315 two-bedroom under 30% of gross income, a household needs about $132,600 a year, or $11,050 a month. That is 119% of what the typical household in Napa County, CA earns.

How much do you need to live comfortably in Napa County, CA?

On the local median income of $111,471 ($9,289 a month before tax), the 50/30/20 rule leaves $4,645 a month for needs like rent, utilities and groceries, $2,787 for everything else and $1,858 for savings or debt. A two-bedroom at $3,315 takes 71% of the needs share.

How much is the electric bill in Napa County, CA?

Homes in California paid 34.7¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $313. Your bill depends mostly on heating and cooling.