Metro FMR · CBSA 34900 · HUD FY2026

Napa, CA MSA Fair Market Rent

HUD's FY2026 Fair Market Rent for the Napa, CA MSA metro area - 120% above the US average.

$2,113
1-bedroom FMR
$2,773
2-bedroom FMR
-0.7%
YoY change
+120%
vs US avg

The verdict

A 2-bedroom in the Napa, CA MSA area rents at $2,773 under HUD's FY2026 Fair Market Rent - 136% above the US average, higher than 98% of the 387 metro areas HUD tracks.

#8
priciest of 387 US metros (2BR)
+136%
vs the US 2-bedroom average
$110,920
income to afford it (30% rule)
-0.7%
1BR change, FY2025→2026

Affordability & income context

Napa: #8 priciest nationally · income context

At the metro's ACS median household income of $108,970, this 1-bedroom FMR takes 23.3% of annual income. It remains below the 30% affordability guide, but is a material part of a median-income household's budget.

The 2-bedroom figure places Napa in the highest-rent tenth of HUD metro areas, using the same FY2026 HUD schedule as the national comparison.

With 137,384 residents, this is a smaller-metro benchmark rather than a single-neighborhood rent quote.

Population has held roughly steady over the past five years (-3.2%, Census ACS).

The ACS rental vacancy rate here is 5.0%, close to the range where market rents and HUD's FMR benchmark tend to track each other.

The Census ACS median gross rent across all rental units here is $2,141/month - the FY2026 HUD two-bedroom FMR of $2,773 runs 29.5% above that all-unit-types median. The two figures measure different things (ACS covers every rented unit; FMR targets a specific bedroom count), so a gap is expected, not an error.

That budget pressure matches a top-decile 2-bedroom FMR nationally (#8 of 387 HUD-tracked metros).

A two-bedroom FMR sits at the edge of the 30% guide for a median-income household, taking 30.5% of recorded median income before utilities outside FMR and other household costs.

Observed renter burden: 50.4% of the 17,678 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2026 HUD FMR benchmark.

ACS median household income lags the FY2026 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$1,912/mo

21.1% of median income

1 Bedroom

$2,113/mo

23.3% of median income

2 Bedroom

$2,773/mo

30.5% of median income

3 Bedroom

$3,532/mo

38.9% of median income

4 Bedroom

$4,134/mo

45.5% of median income

FMR filing desk

CBSA CBSA·34900

Napa: $2,113/mo 1BR · #8 of 387 metros (2BR) · FY2026 CBSA 34900

  • CBSA 34900
  • 1BR-FMR $2,113
  • 2BR-FMR $2,773
  • RANK-UPPER #8
  • YOY-FLAT -0.7%
  • VSUS-HIGH +120%
  • IN-ST-HIGH #17 CA
  • INC-MID 23%
  • POP-MID 137K
  • PHOTO-NEAR Bakersfield-Delano
  • VOUCH-90-110 $1,902–$2,324
  • FY-2026 FY2026

Photo-finish peer: Bakersfield-Delano ($973 1BR gap)

Read with: Understanding rent burden

Where Napa sits among every US metro

2-bedroom Fair Market Rent vs. all 387 HUD metro areas

$2,773 Top 2% higher than 98% of 387 metro areas

$800–$1,000: 28 metro areas (7%). Below this entry. $1,000–$1,200: 114 metro areas (29%). Below this entry. $1,200–$1,400: 95 metro areas (25%). Below this entry. $1,400–$1,600: 52 metro areas (13%). Below this entry. $1,600–$1,800: 41 metro areas (11%). Below this entry. $1,800–$2,000: 26 metro areas (7%). Below this entry. $2,000–$2,200: 9 metro areas (2%). Below this entry. $2,200–$2,400: 5 metro areas (1%). Below this entry. $2,400–$2,600: 5 metro areas (1%). Below this entry. $2,600–$2,800: 5 metro areas (1%). This entry sits in this band. $2,800–$3,000: 4 metro areas (1%). Above this entry. $3,000–$3,200: 2 metro areas (1%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

What this shows #8 of 387 HUD-tracked metro areas, 136% above the national 2-bedroom average. 4 other metro areas fall in this same rent band.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

Napa studio–4BR schedule (FY2026) · 2BR #8 nationally

1BR $2,113 (+120% vs US, -0.7% YoY). Each bedroom band below is FY2026 HUD FMR for CBSA 34900.

Studio
$1,912
US avg $893
↓0.2% YoY +114% vs US
1 Bedroom
$2,113
US avg $959
↓0.7% YoY +120% vs US
2 Bedroom
$2,773
US avg $1,175
↓0.7% YoY +136% vs US
3 Bedroom
$3,532
US avg $1,525
↓2.9% YoY +132% vs US
4 Bedroom
$4,134
US avg $1,756
↓0.2% YoY +135% vs US

How Napa compares on 1-bedroom rent

1-bedroom FMR vs other CA metro areas

1BR FMR / mo

What this shows Napa highlighted among 5 peers · FY2026 1BR HUD FMR.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Napa: out-of-state FMR & burden peers

PlainRent pairs Napa with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside CA (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside CA

Nearest schedules by 2BR delta (FY2026).

Urban Honolulu
HI · 2 BR $2,642/mo
Boston-Cambridge-Quincy
MA · 2 BR $2,941/mo
Bridgeport-Stamford-Danbury
CT · 2 BR $2,511/mo
Seattle-Bellevue
WA · 2 BR $2,501/mo

Burden % · outside CA

Nearest 2BR FMR ÷ ACS median income (FY2026).

Gainesville
FL · 30.4% of income · 2 BR $1,493/mo
North Port-Bradenton-Sarasota
FL · 30% of income · 2 BR $1,958/mo
Vineland
NJ · 31.1% of income · 2 BR $1,673/mo
Orlando-Kissimmee-Sanford
FL · 31.3% of income · 2 BR $1,972/mo

Napa: quick answers

What is the average rent in the Napa, CA MSA metro area? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Napa, CA MSA is $2,113 per month. A 2-bedroom is $2,773 and a studio is $1,912.
How does Napa, CA MSA rent compare to the national average? ▼
Rent in the Napa, CA MSA metro area is 120% above the national average. A 1-bedroom costs $2,113 compared to $959 nationally.
Where does Napa rank nationally for Fair Market Rent? ▼
HUD's FY 2026 2-bedroom FMR of $2,773 ranks #8 most expensive among 387 US metro areas (the highest-rent tenth of HUD metro areas).
What income do I need to afford rent in Napa, CA MSA? ▼
Based on the 30% affordability rule, you need an annual income of at least $84,520 ($7,043/month) to afford a 1-bedroom at Fair Market Rent in the Napa, CA MSA area.
Is Napa's population growing, and how tight is its rental market? ▼
Population has held roughly steady over the past five years (-3.2%, Census ACS). The ACS rental vacancy rate here is 5.0%, close to the range where market rents and HUD's FMR benchmark tend to track each other.

Compare Napa vs Bakersfield-Delano →

What this means for renters

Treat Napa's FY2026 Fair Market Rent as HUD's affordability benchmark, not a single market quote.

Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. This is a metro-wide figure across 1 county; actual asking rents in any specific county can run higher or lower, and HUD updates FMRs once a year. This site is informational and not financial or relocation advice.

Data as of FY 2026. Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2026 HUD FMR $2,113/mo · 1BR CA

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.