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Napa County/Napa/94559

94559

ZIPSAFMR
Napa County, CA
Zillow

ZIP Investment Score

59Below average

095130300
BRFMR
Eff. Rent
0 BR$2,300$2,090
1 BR$2,530$2,480
2 BR$3,310$2,900
3 BR$4,120$3,550
4 BR$5,000$4,240
5 BR$5,750Not available
6 BR$6,612Not available
7 BR$7,604Not available
8 BR$8,745Not available

Purchase Price Calculator

Maximum purchase price
$369,022

Cost breakdown

+Likely effective rent$2,900
HUD FMR$3,310
Market rentUsed$2,900
Est. payment standard (92%)$3,040
-Principal and interest-$1,866
Loan amount$295,218
Down payment$73,804
Rate6.50%
Term30 years
-Operating costs-$834
Property taxes-$369
Insurance-$175
Utilities$0
HOA$0
Management-$290
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$46,151(62.5% ROI)
Projected value
$397,397
Return breakdown
Property appreciation+$28,374
Loan principal paid down+$10,577
Rental cash flow+$7,200
5-year hold
+$79,354(107.5% ROI)
Projected value
$417,515
Return breakdown
Property appreciation+$48,493
Loan principal paid down+$18,862
Rental cash flow+$12,000
10-year hold
+$172,301(233.5% ROI)
Projected value
$472,380
Return breakdown
Property appreciation+$103,357
Loan principal paid down+$44,944
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.10
1 BR
1.02
2 BR
1.14
3 BR
1.16
4 BR
1.18
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 94559 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 94559 (Napa, CA) is $3,310 a month. That is up 1.5% from $3,260 in FY 2026. Napa is in the Napa, CA MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $3,375. Among 12 ZIP codes in Napa County, 94559 has the 7th-highest two-bedroom rent (county range $2,990–$3,790). The median county two-bedroom FMR in California is $1,725, so ZIP 94559 is 92% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 94559
BedroomsFY 2027Change90–110% range
Studio$2,300+2.2%$2,070–$2,530
1BR$2,530+2.0%$2,277–$2,783
2BR$3,310+1.5%$2,979–$3,641
3BR$4,120−0.7%$3,708–$4,532
4BR$5,000+2.9%$4,500–$5,500

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 94559
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$2,300$2,530$3,310$4,120$5,000
FY 2026$2,250$2,480$3,260$4,150$4,860
FY 2025$1,770$1,970$2,580$3,360$3,830
FY 2024$1,730$1,940$2,550$3,450$3,720
FY 2023$1,520$1,720$2,270$3,130$3,170

Two-bedroom rent in nearby Napa County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 94559
94503$3,790+14.5%
94508$2,990−9.7%
94515$2,990−9.7%
94558$3,530+6.6%
94559Current$3,310—
94562$3,380+2.1%
94567$3,410+3.0%
94573$3,300−0.3%
94574$3,100−6.3%
94576$3,100−6.3%
94581$3,380+2.1%
94599$3,640+10.0%

Questions about ZIP 94559 rents

How much will Section 8 pay for a two-bedroom in ZIP 94559?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $3,375, which applies unless the housing authority uses Small Area FMRs, that basic range is $3,038 to $3,713 a month; under the ZIP-level Small Area FMR of $3,310 it would be $2,979 to $3,641. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 94559 in?

ZIP 94559 is in the Napa, CA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $3,375.

How much did fair market rent change in ZIP 94559 for FY 2027?

The two-bedroom FMR rose 1.5%, from $3,260 in FY 2026 to $3,310 in FY 2027. Since FY 2023 it has risen 45.8%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentNapa, CA fair market rentCA statewide rentsWhat is SAFMR?Data sources