Mortgage rates in Napa, California for both refinance and purchase transactions. If you are looking to refinance your mortgage or if you are in the process of purchasing a home in the Napa area please contact me directly for a free quote. My direct number is 1-800-550-5538 or you can complete one of the request a quote forms on our website.
Mortgage Rates In Napa, California
Napa Valley California Mortgage Calculator
Using our Nappa Valley, California mortgage calculator to figure out your monthly mortgage payment is an essential part of buying a home or refinancing a current mortgage. Use our free Napa Valley, California mortgage calculator to help you determine what you can afford and if you have questions please don’t hesitate to ask!
Living In Napa, California
Napa, CA is located in northern California.
In 1847, Nathan Coombs established the first Napa City townsite. The original land survey covered the property between what is now Brown Street and the Napa Channel, stretching from Napa Creek to the steamboat landing 600 yards downstream. The place was a strategic position for the city because it was at the height of river navigation, forcing a shift of transportation style and therefore a vital trade and transportation hub for tourists, as well as for farming, commercial and industrial products.
The new city harbored an assortment of people from Europe and Asia, including indigenous Indians who settled in the region. Gold miners spent the winters in Napa; prices mirrored the surplus of gold supplies.
The First Home In Napa:
The first house by Napa was a saloon at the Third Street corner by the water, preceded by a general store at the foot of Main Street. Other tiny temporary houses, often constructed of canvas or Napa Valley timber, started to emerge in fall 1848.
River ferry marked the start of a boat, stage and rail service development that had a significant impact on Napa’s rise. In 1850 the first steamboat navigated the San Francisco Napa Canal. Ships transported perishable freight and passenger traffic before the railroad was founded in 1868. Between 1850 and 1870 a series of steamboats linked Napa and San Francisco. A 147-foot yacht, The Amelia, was the Napa River’s pride.
In 1850 the establishment of a county government structure contributed to the creation of the first courthouse at the intersection of Coombs and Second Avenues. The city developed slowly: by 1854 the town had forty houses, all small and built of wood. The streets are gravel. The city was lively, with a cinema, a minstrels and musicians business, a jockey club, and many commercial offerings. As the population of the county reached 7,000 by the early 1870s, designs were drawn up for the new courthouse that is still in operation today.
Modern Day Napa:
Napa is home to many colleges and a public library system. The Napa Journal, a weekly publication, began in 1856 and still represents the city. During the 1850s and 1860s, gas and electric supply and a telegraph line were built up.
There are two tanneries at Napa, one of which is the Pacific Coast’s main wool-pulling and tanning facility. It has drain-tile and brick-works, a glue factory, a busy fruit-packing establishment and wineries which rank with the best in the State in size and reputation. The Napa woolen-mill has a wide reputation for producing fine textiles. The company has also increasingly gone into the grape drying and shipping market.
Local Schools and Colleges In Napa:
Napa has a good elementary school district that’s been serving the needs of the community for decades. It also has several local community colleges for higher learning.
- Vichy Elementary School: Located at 3261 Vichy Ave, Napa, CA 94558. Compared to other schools in California, this school is ranked above average in school efficiency.
- Northwood Elementary School: Located at 2214 Berjs St., Napa, CA 94558. Students here are doing above average on state assessments and continues to see improvements year after year.
- Mount George International School: Located at 1019 2nd Ave., Napa, CA 94558. This school has above average outcomes with how effectively it supports marginalized pupils and continually improves upon its test scores.
- Napa Valley College: Napa Valley College, based in Napa, California, is a local two-year community college that provides undergraduate programs. Napa Valley College has a flexible enrollment program that requires any high school graduate or applicant with a GED to enroll. Two thousand six full-time students are enrolled, and 3,497 join part-time. In-state tuition for 2018/2019 is $1,104 plus a $38 charge, minus room and board.
- Solano Community College: Solano Community College, based in nearby Fairfield, California, is a regional two-year community college providing undergraduate programs. Solano Community College has a flexible enrollment program that requires any high school graduate or applicant with a GED to enroll. Two thousand six hundred eighty-nine full-time students are enrolled, and 6,689 join part-time. In-state tuition for 2018/2019 is $1,104 plus a $36 charge, minus room and board.
The Local Economy:
Napa has a 3.2% unemployment rate vs the national 3.9% unemployment rate. Future job growth is expected to be 27.6% in the next ten years, which is smaller than the US average of 33.5%.
- Napa’s income tax average is 7.8%. The rating for the US is 7.3%.
- Napa’s federal tax average is 9.3%. The rating for the US is 4.6%.
- Tax rates may have a significant effect when contrasting living expenses.
Napa residents earn an estimated salary of nearly $35,000 a year while the national average os just under $29,000. The average local household income is just under $65,000 per year while the national average is just over $53,000 per year.
The Climate and Weather In Napa, California:
Napa, California sees an average of 27 inches of rain per annum and no snow. In Napa, there are on average 260 sunshine days a year.
Napa receives precipitation of any kind, on average, 69 days a year. Precipitation is heat, snow, sleet or hail coming down to the field. To quantify precipitation, you have to weigh at least 0.01 inches on the field.
The months with the best weather are May, June, and October. With average temperatures in the range of 70 degrees – 85 degrees. August is Napa’s hottest month with an average high temperature of 83 degrees. During summer there are several days where the heat easily goes above 90 degrees during the day.
The Cost of Living in Napa, California:
The indexes of living expenses are based on an estimate of 100 in the US. A percentage below 100 indicates Napa is better than the norm in the US. A living expense index greater than 100 means Napa, California is more costly.
Napa living costs are 162.1 Accommodation is the main element of disparity of living costs. In Napa, the mean home price is almost $700,000.
Some Of The Most Popular Neighborhoods In Napa:
Here are a few of the most popular neighborhoods around Napa.
- Atlas Park: The bearers of idyllic scenes of Napa Valley are the Atlas Hill and Soda Canyon. Homebuyers searching for anonymity, quietness, and the opportunity to create a personalized sanctuary will look here. If you’re planning to buy property to create a house and want to develop a tiny vineyard, these AVAs have nice soil. Only make sure that your property follows the planting criteria for a vineyard.
- Silverado Country Club: It’s quickly becoming a hot spot for younger families searching for the all-inclusive lifestyle of the Napa Valley. It’s got a Starbucks … what else do you need? When it comes to international conferences, amazing leisure experiences, and regional golfing programs, Silverado Country Club hasn’t missed out on a single item. The residences include older houses and condos. Residents in their very own home will experience the maximum comfort of a resort.
- South Of Downtown: The secret treasure areas include Jefferson on both sides south of downtown, below the Old Sonoma Route, and along the creek off Browns Valley Path. There may also be inexpensive places too, depending on how often the homes have been updating — which increases the price.
Additional California Cities
If you’re looking for additional information on another Northern California city please be sure to visit the main Northern California page.