ZIP 94558, Napa Housing Market · 2026

Data through Sep 2026 · Part of the Napa housing market

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

ZIP 94558, Napa Market Snapshot

ZIP 94558 offers real opportunities for buyers right now:

Based on 173 homes sold in the 3 months ending September 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through September 2026

SalesWhat are homes selling for?
Median Sale Price
$871K
▼ Down 9.2% from September 2025
Down $88K from September 2025
Homes Sold
173
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$5,913/mo
7.4% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$4,823
  • Property Tax$907
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
54 days
▼ 5 fewer days than in September 2025
Buyers have time to decide
Sale-to-List Ratio
98.1%
▲ Up from 97.2% in September 2025
Selling 2% below asking
% Sold Over Asking
22%
Only 22% sold above asking. Few bidding wars right now
Active Listings
299
▲ Up 2.5% from September 2025
About 5.3 months of supply. Plenty of options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in 94558, Napa.

Median Sale Price
Down 9.2% year-over-year in 94558, Napa. Based on 173 sales in the last 3 months.
Homes Sold
24% more homes sold than a year ago in 94558, Napa.
Total Monthly Payment
Estimated monthly cost is down 3% from a year ago in 94558, Napa, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 7.4%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about ZIP 94558

Is now a good time to buy in ZIP 94558?

ZIP 94558 is a buyer's market. Extended market times, price reductions, and motivated sellers give buyers strong negotiating leverage. Well-structured offers below asking can succeed here.

How do ZIP 94558 home prices compare to the Bay Area average?

At $871K, ZIP 94558's median sits about 51% below the Bay Area average of $1.77M. ZIP 94558 is among the most accessible parts of the Bay Area.

This is close to the Napa city-wide median of $830K.

By home type:

  • Single-family homes at $916K
  • Condos at $700K
  • Townhomes at $610K
What price range should I budget for in ZIP 94558?

Prices in ZIP 94558 depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $916K
  • Condos at $700K
  • Townhomes at $610K

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is ZIP 94558 for buyers?

ZIP 94558 is a buyer's market:

  • Homes sell about 2% below asking on average
  • 22% close above list price
  • 54 days typical time to go pending
  • 36% of listings have had a price reduction

Buyer strategy: well-structured offers below asking can succeed here.

What will my total monthly cost be on a median-priced ZIP 94558 home?

At $871K with 20% down at 7.4%, your estimated total monthly cost is approximately $5,913:

  • $4,823 principal and interest
  • $907 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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