94558 — Napa County, California Market Snapshot
Housing market data for zip code 94558 in Napa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
126 sales in 2026 (year to date)
Median Sale Price
$914,962
Days to Sell
54
Homes Sold
126
Inventory
214
Sale-to-List
97.0%
New Listings
221
Price/SqFt
$545
Pending Sales
142
Conforming Loan Available
The median home in 94558 at $914,962 falls within the 2026 conforming loan limit of $1,017,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
94558's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 94558 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 94558 at $914,962 falls within the 2026 conforming loan limit of $1,017,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 94558 are set at the county level.
2026 Loan Limits — Napa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,017,750 | $1,017,750 |
| 2 Units | $1,302,900 | $1,302,900 |
| 3 Units | $1,574,900 | $1,574,900 |
| 4 Units | $1,957,250 | $1,957,250 |
Affordability Snapshot — Zip 94558
To purchase the median home at $914,962 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,160.
Monthly Payment
$7,160
Income Required
$306,863
Principal & Interest
$5,638/mo
Down Payment (5%)
$45,748
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94558.
Estimated Monthly Payment
$5,813
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