94515 — Napa County, California Market Snapshot
Housing market data for zip code 94515 in Napa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$1,064,500
Days to Sell
68
Homes Sold
12
Inventory
36
Sale-to-List
93.9%
New Listings
35
Price/SqFt
$739
Pending Sales
11
Jumbo Loan Likely Needed
The median home in 94515 at $1,064,500 exceeds the 2026 conforming loan limit of $1,017,750 by $46,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 68 days on average, 94515 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 94515 sells for 6.1% below asking price (93.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 94515 at $1,064,500 exceeds the 2026 conforming loan limit of $1,017,750 by $46,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94515 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 94515
To purchase the median home at $1,064,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,306.
Monthly Payment
$8,306
Income Required
$355,965
Principal & Interest
$6,559/mo
Down Payment (5%)
$53,225
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 94515.
Estimated Monthly Payment
$6,738
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