Napa, California: commercial real estate data.
Napa is a Census city of 78,239 people across 18.05 square miles of land, in Napa County. Median household income is $105,963, 58.7 percent of occupied homes are owned, and the SBA record carries 167 7(a) approvals to borrowers here worth $110.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Napa
What Napa is
- Census place typecity
- Land area18.05 sq mi
- Water area0.31 sq mi
- Population per square mile of land4,334
- County holding the largest share of its areaNapa County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Napa
How many people live in Napa
- Population78,239
- Median age41.5
- Population under 1815,650
- Share under 1820.0 percent
- Population 65 and over14,802
- Share 65 and over18.9 percent
- Households29,984
- Family households19,445
- Share of households that are families64.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Napa
Income and work in Napa
- Median household income$105,963
- Per capita income$56,032
- Civilian labor force42,090
- Employed39,686
- Unemployed2,404
- Unemployment rate5.7 percent
- Adults 25 and over56,292
- Adults 25 and over with a high school diploma or higher84.2 percent
- Adults 25 and over with a bachelor degree or higher38.2 percent
- Adults 25 and over with a graduate degree13.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Napa
Housing in Napa
- Housing units32,141
- Occupied units29,984
- Vacant units2,157
- Vacancy rate6.7 percent
- Owner occupied17,602
- Renter occupied12,382
- Ownership rate58.7 percent
- Median owner-occupied home value$856,400
- Median gross rent, monthly$2,282
- Annual rent as a share of median income25.8 percent
- Single family units22,575
- Share single family70.2 percent
- Units in buildings of two or more8,140
- Share in buildings of two or more25.3 percent
- Mobile homes1,385 plus or minus 288
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Napa
How Napa gets to work
- Workers 16 and over who commute33,406
- Commuting under 15 minutes12,240
- Share commuting under 15 minutes36.6 percent
- Commuting 30 minutes or more10,865
- Share commuting 30 minutes or more32.5 percent
- Drove alone70.9 percent
- Carpooled10.3 percent
- Public transport0.7 percent plus or minus 0.3
- Walked2.2 percent plus or minus 0.6
- Worked from home14.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Napa
SBA loans in Napa (7(a))
- Approvals167
- Gross approval$110,523,200
- Average approval$661,816
- Median approval$250,000
- Ninetieth percentile approval$1,819,040
- Largest approval$5,000,000
- Jobs supported1,824
- Jobs per approval10.9
- Loans with a final outcome28
- Paid in full26
- Charged off2
- Median term120 months
- Share on real estate terms of 20 years or more15.0 percent
- Share to franchises9.0 percent
- Distinct lenders49
- Distinct industries by NAICS83
Counted by borrower city: approvals to borrowers whose address is in Napa, in any county, FY2020 to FY2026. Only 28 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Napa
SBA loans in Napa (504)
- Approvals138
- Gross approval$133,578,000
- Average approval$967,957
- Median approval$582,500
- Largest approval$5,000,000
- Jobs supported1,175
- Loans with a final outcome35
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term300 months
- Distinct CDCs9
Counted by borrower city: approvals to borrowers whose address is in Napa, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Napa
Flood risk in Napa
- NFIP communityCity of Napa
- NFIP community number060207
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date08/03/16
The City of Napa participates in the National Flood Insurance Program as community 060207 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Napa County, not Napa
Napa County context, not Napa figures
- Establishments in Napa County4,486
- Covered employment, Napa County80,265
- Average annual pay, Napa County$70,866
- Housing units permitted, Napa County439
Every figure in this section is published for Napa County as a whole and is not a measurement of Napa.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Napa questions, answered from the record.
How many people live in Napa, California?
78,239, in 29,984 households. Napa city covers 18.05 square miles of land, which is 4,334 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Napa in?
Napa County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Napa?
$105,963. The median owner-occupied home is valued at $856,400. Median gross rent is $2,282 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Napa businesses?
167 7(a) approvals totaling $110.5 m since FY2020, across 49 lenders, median approval $250,000, plus 138 504 approvals worth $133.6 m since FY2010. These count approvals to borrowers whose address is in Napa, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Napa borrowers get paid back?
No rate is published for Napa. Only 28 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Napa in the National Flood Insurance Program?
Yes. Napa appears in the FEMA Community Status Book as Napa, city of, community 060207, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Napa figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Napa County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Napa.
Is zoning published for Napa?
No. Nothing on this page presents parcel level zoning.