Napa County, CA
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.51, -122.33.
Assembled 2026-10-06. Read the brief.
- 98th pct · 33rd of 3,063 US counties · median $234,566
- 78th pct · 13th of 58 California counties · median $500,264
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
- 11th pct · 2,713th of 3,063 US counties · median +2.9%
- 8th pct · 53rd of 58 California counties · median +0.3%
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
- 97th pct · 34th of 1,399 US counties · median $1,496
- 79th pct · 11th of 49 California counties · median $2,340
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
- 88th pct · 367th of 3,221 US counties · median 8,232
- 50th pct · 29th of 58 California counties · median 74,865
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
- 90th pct · 302nd of 3,221 US counties · median $1,039
- 73rd pct · 16th of 58 California counties · median $1,206
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
- 98th pct · 44th of 3,063 US counties · median 4.3
- 85th pct · 9th of 58 California counties · median 7.4
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $871,204 (Aug 2026), -1.7% over one year, +2.5% over five
- 98th pct · 33rd of 3,063 US counties · median $234,566
- 78th pct · 13th of 58 California counties · median $500,264
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Napa County, CA | $871,204 · -1.7% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $2,944/mo (Aug 2026), +0.9% over one year; price-to-rent 24.7
- 97th pct · 34th of 1,399 US counties · median $1,496
- 79th pct · 11th of 49 California counties · median $2,340
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Napa County, CA | $2,944/mo · +0.9% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $4,769 a month on $871,204 at 7.28%, against an average weekly wage worth $6,218 a month: 76.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $871,204 × 80% = $696,963, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $4,769/mo principal and interest
- wage share = payment / (avg weekly wage $1,435 × 52 / 12 = $6,218) = 77% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $871,204 / ($1,435 × 52) = 11.7
- price-to-rent = $871,204 / ($2,944 × 12) = 24.7
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
77,471 jobs at 6,953 employers (2026 Q1); -0.4% jobs and +2.3% average weekly wage over the year
- 88th pct · 367th of 3,221 US counties · median 8,232
- 50th pct · 29th of 58 California counties · median 74,865
- counties in the Napa metro: Rank context is unavailable: the manifest lists 1 counties in the Napa metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Napa County, CA | 77,471 jobs · $1,435/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 12,658 | $1,761 | 2.03 | -9.8% |
| Accommodation and food services | 11,473 | $950 | 1.65 | -0.5% |
| Health care and social assistance | 9,692 | $1,372 | 0.83 | +5.5% |
| Retail trade | 6,135 | $844 | 0.81 | -3.7% |
| Construction | 3,905 | $1,951 | 0.96 | -3.8% |
| Administrative and waste services | 3,840 | $1,055 | 0.87 | -3.0% |
| Transportation and warehousing | 2,484 | $1,148 | 0.76 | +17.4% |
| Professional and technical services | 2,104 | $1,801 | 0.39 | +3.5% |
| Other services | 2,077 | $1,075 | 0.90 | -3.3% |
| Arts, entertainment and recreation | 1,283 | $729 | 1.01 | +14.6% |
| Educational services | 1,060 | $1,006 | 0.64 | -2.3% |
| Finance and insurance | 909 | $4,248 | 0.29 | -9.1% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
No drought class at this point (USDM covers the United States only)
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$4.3 bn in deposits at 32 offices of 13 banks (SOD June 2026); HHI 1,236, moderately concentrated. $877.8 m federal obligations in FY2026 (direct payments $841.7 m, grants $35.3 m), $11,331 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $785.1 m · 18.1% share · 3 offices | |
| Wells Fargo Bank, National Association | $770.3 m · 17.7% share · 4 offices | |
| Bank of America, National Association | $746.9 m · 17.2% share · 3 offices | |
| Napa, CA | $877.8 m FY2026 · $11,331/job | |
| MULTIPLE RECIPIENTS | $797.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $785,069,000 | 18.1% | 3 |
| Wells Fargo Bank, National Association | $770,276,000 | 17.7% | 4 |
| Bank of America, National Association | $746,925,000 | 17.2% | 3 |
| Columbia Bank | $396,621,000 | 9.1% | 3 |
| Bank of Marin | $345,578,000 | 8.0% | 2 |
| BMO Bank National Association | $288,040,000 | 6.6% | 4 |
| Westamerica Bank | $272,658,000 | 6.3% | 6 |
| Mechanics Bank | $205,699,000 | 4.7% | 2 |
| Poppy Bank | $204,820,000 | 4.7% | 1 |
| U.S. Bank National Association | $193,096,000 | 4.4% | 1 |
Deposit concentration is 1,236 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 18.1² + 17.7² + 17.2² + … (10 more) = 1,236
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $721,744,310 |
| Department of Veterans Affairs | $68,740,192 |
| Department of Housing and Urban Development | $27,679,137 |
| Department of Health and Human Services | $25,847,497 |
| Department of Transportation | $14,395,282 |
| Department of Education | $8,934,370 |
| Department of Agriculture | $8,794,887 |
| Railroad Retirement Board | $1,161,928 |
| Federal Communications Commission | $878,980 |
| Department of the Interior | $841,361 |
| National Aeronautics and Space Administration | $19,661 |
| Department of Defense | $2,750 |
That is $11,331 per covered job, against 77,471 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $877.8 m / 77,471 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $11,331
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-05 | +0.1% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Napa County, CA: 15 findings, 7 at a watch level and 8 noted
watchNapa County, CA's years of wages of 11.7 ranks 44th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 98.59568909209668 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchNapa County, CA's price-to-rent ratio of 24.7 ranks 99th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: priceToRent percentile = 92.98998569384835 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchNapa County, CA's typical home value is -1.7% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: home.yoyPct = -1.693241492067131 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchNapa County, CA's years of wages is 11.7, a watch level here: typical home value worth 10 or more years of one average covered wage (typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages = 11.67520742129328 >= 10
- typical home value / (average weekly wage × 52); one average covered job, not a household
typical home value / (average weekly wage × 52), one average covered job rather than a household; convention chosen for this dashboard, not an official level
watchNapa County, CA's covered employment is -0.4% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.