HomeCaliforniaNapa County
Napa County, California: commercial real estate data.
Napa County, California has a population of 134,869 across 748 square miles, down 3.8 percent since the 2020 census base. County output reached $14.59 bn in 2024, 4,486 establishments operate here, and the SBA record carries 207 7(a) approvals worth $129.2 m.
129 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Napa County
How many people live in Napa County
- Population134,869
- Households49,763
- Average household size2.71
- Median household income$111,471
- Median age42.9
- Median gross rent$2,237 per month
- Median owner-occupied home value$869,500
- Home value to household income7.8 times
- Annual rent as a share of median income24.1 percent
- Adults 25 and over with a bachelor degree or higher39.8 percent
- Adults 25 and over with a graduate degree14.0 percent
- Adults 25 and over97,520
- Population under 1826,226
- Share under 1819.4 percent
- Population 65 and over28,455
- Share 65 and over21.1 percent
- Working age population, 18 to 6480,188
- Civilian labor force71,043
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over65.4 percent
- Rank by population among California counties34th of 58
- Rank by population among US county-equivalents489th
Napa County is the 34th largest of 58 California counties by population. A median home costs 7.8 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 21.1 percent against 19.4 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Napa County
Is Napa County's population growing?
- Population change since the 2020 census base-3.83 percent
- Census 2020 base population138,014
- Births, 20241,064
- Deaths, 20241,240
- Natural change, 2024-176
- Net domestic migration, 2024-1,155
- Net international migration, 2024622
- Total net migration, 2024-533
- Cumulative net domestic migration, 2021 to 2024-5,749
- Rank by growth among US county-equivalents2878th
The county has lost 3.83 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Napa County
Where are people moving to Napa County from?
- Tax returns filed by households arriving3,182
- People arriving, from those returns5,061
- Adjusted gross income arriving$422.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$132,862
- Largest single originNapa County Non-migrants (54,237 households)
- Largest single destination (54,237 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Napa County Non-migrants | 54,237 | 107,052 | $7.60 bn |
| Other flows - Different State | 676 | 1,015 | $85.9 m |
| Solano County | 649 | 1,162 | $50.4 m |
| Other flows - West | 253 | 382 | $27.8 m |
| Sonoma County | 246 | 360 | $24.1 m |
| Other flows - South | 241 | 376 | $31.3 m |
| Contra Costa County | 226 | 394 | $32.4 m |
| Other flows - Same State | 213 | 335 | $14.8 m |
The largest single source of arrivals is Napa County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Napa County
What is the Napa County economy?
- County GDP, 2024$14.59 bn
- County GDP, 2023$14.03 bn
- GDP change, 2023 to 20244.0 percent
- GDP change over five years30.1 percent
- Rank by GDP among California counties27th
- Rank by GDP among US county-equivalents330th
- GDP per resident$108,193
Output grew 4.0 percent in the latest year and 30.1 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Napa County
Largest employers in Napa County
- Covered employment, annual average80,265
- Establishments reporting6,535
- Average annual pay$70,866
- Average weekly wage$1,363
- Sector 31-33, employment14,988
- Sector 31-33, average annual pay$84,120
- Sector 72, employment12,026
- Sector 72, average annual pay$47,009
- Sector 62, employment9,178
- Sector 62, average annual pay$67,508
- Sector 44-45, employment6,335
- Sector 44-45, average annual pay$44,096
- Sector 11, employment6,246
- Sector 23, employment4,172
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 14,988 | 628 | $84,120 |
| Sector 72 | 12,026 | 440 | $47,009 |
| Sector 62 | 9,178 | 1,818 | $67,508 |
| Sector 44-45 | 6,335 | 454 | $44,096 |
| Sector 11 | 6,246 | 246 | $55,290 |
| Sector 23 | 4,172 | 517 | $93,376 |
| Sector 56 | 4,032 | 288 | $52,898 |
| Sector 54 | 2,240 | 498 | $97,312 |
The largest sector is the biggest private employer group at 14,988 jobs, 18.7 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Napa County
How many businesses are in Napa County?
- Establishments, all industries4,486
- Employment at those establishments66,372
- Annual payroll$4.48 bn
- Establishments per 1,000 residents33.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Napa County
Building permits in Napa County
- Housing units authorised by permit, 2024439
- Declared construction value permitted$204.0 m
- Single family units authorised250
- Multifamily units authorised189
- Multifamily share of units43.1 percent
- Average declared value per unit$464,645
- Units authorised per 1,000 households8.8
Multifamily is 43.1 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Napa County
SBA loans in Napa County (7(a) and 504)
- 7(a) approvals recorded207
- 7(a) gross approval dollars$129.2 m
- Average 7(a) approval$624,036
- Median 7(a) approval$215,000
- 10th percentile approval$40,000
- 90th percentile approval$1,582,100
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,297
- Jobs per approval11.1
- Distinct 7(a) lenders active54
- Distinct industries receiving approvals92
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.0 percent
- Loans on real estate terms27
- Loans on working capital terms, 120 months or shorter168
- Franchise loans18
- Franchise share of approvals8.7 percent
- Leading industry by approval countFull-Service Restaurants (18)
- Most active lenderLive Oak Banking Company (18)
- 504 approvals recorded165
- 504 gross approval dollars$164.6 m
- Average 504 approval$997,376
- Median 504 approval$659,000
- Distinct CDCs active10
- 504 jobs per approval8.5
- 504 jobs per million dollars approved8.5
- Most active CDCBay Area Employment Development Company (68)
- 7(a) share of SBA approvals55.6 percent
- Combined SBA approval dollars$293.7 m
The average approval of $624,036 sits well above the median of $215,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 13.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Napa County
SBA loan default and charge-off rates in Napa County
Do SBA loans in Napa County get paid back?
- Loans with a final outcome recorded35
- Paid in full32
- Charged off3
- Charge off rate on resolved loans8.6 percent
- Status: Paid in full32
- Status: Exempt from disclosure126
- Status: Cancelled32
- Status: Charged off3
- Status: Committed, not yet disbursed14
Of the 35 loans that have reached a final outcome, 8.6 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Napa County
SBA lending by place in Napa County
- Places in the county with recorded lending8
- NAPA, approvals167
- SAINT HELENA, approvals22
- CALISTOGA, approvals8
- AMERICAN CANYON, approvals6
- Rutherford, approvals1
- FAIRFIELD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NAPA | 167 | $110,523,200 |
| SAINT HELENA | 22 | $10,023,600 |
| CALISTOGA | 8 | $1,759,100 |
| AMERICAN CANYON | 6 | $4,196,600 |
| Rutherford | 1 | $1,545,000 |
| FAIRFIELD | 1 | $528,000 |
| Napa Valley | 1 | $350,000 |
| SAN FRANCISCO | 1 | $250,000 |
NAPA accounts for 167 approvals against 22 in SAINT HELENA. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Napa County
How large is Napa County?
- Land area748 sq mi
- Rank by land area among California counties48th of 58
- Width, east to west31.5 mi
- Height, north to south49 mi
- Geographies sharing a boundary4
- Residents per square mile of land180
- Establishments per square mile6.00
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Napa County
Flood risk in Napa County
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class2
- Radon levels in Napa County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Napa County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class in Napa County is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Napa County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Napa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population134,869
- Households49,763
- Average household size2.71
- Median household income$111,471
- Median age42.9
Common questions
Napa County questions, answered from the record.
How many people live in Napa County, California?
134,869, in 49,763 households, ranking 34th of 58 California counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Napa County's population growing?
The population has fallen 3.83 percent since the 2020 census base. In 2024 there were 1,064 births against 1,240 deaths, with net migration of -533. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Napa County?
$111,471. The median owner-occupied home is valued at $869,500, which is 7.8 times income, and median gross rent is $2,237 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Napa County?
4,486 establishments, employing 66,372 people with an annual payroll of $4.48 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Napa County?
Average annual pay is $70,866, or $1,363 a week, across 80,265 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Napa County?
207 7(a) approvals totalling $129.2 m since FY2020, across 54 lenders, with a median approval of $215,000, plus 165 504 approvals worth $164.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Napa County get paid back?
Of the 35 loans that have reached a final outcome, 32 were paid in full and 3 charged off, a charge off rate of 8.6 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Napa County?
439 housing units were authorised by permit in 2024, with a declared construction value of $204.0 m. Multifamily was 43.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Napa County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Napa County come from?
The largest single origin is Napa County Non-migrants, with 54,237 households. Arriving households report an average income of $132,862 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Napa County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Napa County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Napa County
Cities and places in Napa.
11 Census places lie wholly or partly in Napa County. 10 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Napa | city | 78,239 | 167 | Wholly in this county |
| American Canyon | city | 21,691 | 7 | Wholly in this county |
| St. Helena | city | 5,318 | 22 | Wholly in this county |
| Calistoga | city | 5,111 | 8 | Wholly in this county |
| Yountville | city | 3,348 | None recorded | Wholly in this county |
| Angwin | CDP | 2,931 | None recorded | Wholly in this county |
| Silverado Resort | CDP | 892 | None recorded | Wholly in this county |
| Deer Park | CDP | 720 | None recorded | Wholly in this county |
| Moskowite Corner | CDP | 225 | None recorded | Wholly in this county |
| Rutherford | CDP | 84 | 1 | Wholly in this county |
| Oakville | CDP | 0 | None recorded | Wholly in this county |
A further 1,357 SBA approvals in Napa County are recorded against borrower cities that match no Census place, the largest being San Francisco, Napa Valley. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.