USDV Capital
Napa County real estate

Napa County

Opportunity Zone

Napa County, Napa County · Napa, CA

Median Home Value

$886,117

-3.7%

Est. Cap Rate

2.4%

Based on rent yield × 65%

Vacancy Rate

10.7%

64% owner-occupied

Population

136K

Median income: $108,970

D
14/100Caution

Investment Score — Napa County

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate2.4%
Rent Yield3.7%
Affordability$886,117
Occupancy89.3%
Appreciation-3.7%

Napa County Investment Analysis

Napa County is a mid-size market of 136K residents with median home values at $886,117. The 2.4% cap rate positions Napa County as a premium appreciation market where equity growth drives returns. A modest 3.7% year-over-year decline suggests the market is cooling — favorable for buyers negotiating from strength. A healthy 36% renter population supports median rents of $2,746/month, providing reliable income streams for buy-and-hold investors.

Market Profile
Avg: 29/100
Cash Flow2.4% cap
Appreciation-3.7% YoY
Affordability$886K
Occupancy89.3% occ.
Rent Yield3.7%
Employment99.9%
Price vs. Rent Analysis
Price-to-Rent Ratio26.9x
Cash FlowBalancedAppreciation

Appreciation-driven market — growth potential offsets thinner cash flow

Median Home Value

Zillow ZHVI

$886,117
Median Monthly Rent

Zillow ZORI

$2,746
Annual Rent
$32,952
Gross Rent Yield

Annual rent ÷ home value

3.7%

Market Details

Housing Stock

56K units

Single-family: 37K

Multifamily: 11K (19.9%)

Investment Metrics

Gross Yield 3.7%

Cap Rate 2.4%

Price-to-Rent 26.9 (Favors renting)

Property Tax $5,840/yr

Demographics

Median Income $108,970

Median Age 42.8

Employment 99.9%

Home Value Trends

1-Year Appreciation -3.7%

3-Year Appreciation -0.2%

5-Year Appreciation +11.9%

Rental Market

$2,746/mo

Renter population: 35.6%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population136K

181/sq mi

Median Income$108,970

$57,795 per capita

Employment99.9%

5.1% unemployment

Occupancy89.3%

35.6% renters

College Educated38.5%
Median Age: 42.856K Housing UnitsMedian Built: 1976

Partial Opportunity Zone

Select census tracts in this area are federally designated

Investors in Napa County may qualify for significant tax advantages under the Opportunity Zones program (IRC §1400Z-2).

Tax Deferral

Defer capital gains taxes by reinvesting into Qualified Opportunity Funds

Step-Up in Basis

10% exclusion on deferred gains after 5 years of holding

Tax-Free Growth

Zero capital gains on QOF appreciation if held 10+ years

Consult a qualified tax advisor to determine eligibility. Opportunity Zone designations are subject to change. USDV Capital finances projects in designated Opportunity Zones — speak with an advisor to explore QOF-eligible structures.

Top Cities in Napa County

5 cities by population

CityHome Value
NapaNapa County$877,111View →
American CanyonNapa County$736,678View →
CalistogaNapa County$1,051,792View →
YountvilleNapa County$1,318,799View →
AngwinNapa County$931,177View →

Top Neighborhoods in Napa County

28 neighborhoods

View all 28 →

Fuller Park

$808,615-7.4%

Alta Heights

$1,028,786-5.9%

Beard

$711,407+3.5%

Bel Aire

$755,395+2.9%

Browns Valley Central

$1,138,916+6.7%

Browns Valley East

$1,042,392+7.5%

Browns Valley South

$1,187,301+6.6%

Browns Valley West

$989,174+2.5%

Coventry Manor

$687,790-2.4%

Downtown

$690,076-2.1%

Linda Vista

$903,894-0.1%

Central

$787,542-9.3%
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Property Details

$886,117
$100K$2M
25% ($221,529)
15%50%
7.50%
6%10%
$2,746

Investment Projection

Monthly Cash Flow

-$3,009

Cash-on-Cash

-16.3%

DSCR Ratio

0.59

Annual Cash Flow

-$36,102

Monthly P&I: $4,647 | Est. Expenses: $1,108

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Napa County Investment Report

Comprehensive county market analysis

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Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
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Exclusive Guide

Top 10 Cities in Napa County for DSCR Investment

Our data team analyzed every citie in Napa County to find the best opportunities for cash-flowing DSCR investments.

Ranked by investment potential score
Includes median prices & rental yields
5-year appreciation forecasts

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Top 10 Cities

Napa County | DSCR Investment

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Napa County deal. Close in 28 days or we pay you $1,000.

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All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
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Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
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Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
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DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
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Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
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Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
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Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

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We structure, source, and close financing for your investment properties. Let us help you capitalize on Napa County opportunities.

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Term Sheet

$150K-$10M

Loan Range

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