Napa County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Napa County, CA distress report, 2026: 13 ZIPs scored in Napa, CA, Napa, CA average 23/100; the top Napa, CA ZIP is 94591 at 27/100; Napa, CA market phase contraction, Napa, CA prices -2.1% year over year.
- Napa, CA ranks #1,728 nationally (opportunity index); Napa, CA #20 in California; Napa, CA index 28.7.
- Napa, CA ninety-day mortgage delinquency 0.6% in December 2025; Napa, CA twelve-month change 0.0%.
- Napa, CA ZIP phases: 12 contraction, 1 peak.
- Napa, CA residential listings tracked: 36 across 10 ZIPs; Napa, CA candidate listings 23.
- Napa, CA HUD assisted properties: 4 with 117 units.
- Napa, CA lenders on watch: 6; largest Napa, CA footprint Westamerica Bank (6 branches).
- Napa, CA most distressed ZIP: 94591 at 27/100.
Napa, CA figures: DLRadar distress index; Napa, CA inputs: CFPB, FHFA, HUD, FDIC; Napa, CA rebuilt as sources refresh.
| Rank | Napa, CA ZIP | Score |
|---|---|---|
| 1 | 94591 | 27/100 |
| 2 | 94503 | 25/100 |
| 3 | 94508 | 23/100 |
| 4 | 94558 | 23/100 |
| 5 | 94559 | 23/100 |
| 6 | 94562 | 23/100 |
| 7 | 94567 | 23/100 |
| 8 | 94573 | 23/100 |
| 9 | 94574 | 23/100 |
| 10 | 94576 | 23/100 |
| 11 | 94599 | 23/100 |
| 12 | 95476 | 21/100 |
Most distressed Napa, CA ZIPs (0-100, 2026)
Mortgage delinquency in Napa, CA
0.6% of Napa, CA mortgages were ninety-plus days late (Napa, CA, December 2025); Napa, CA thirty-to-eighty-nine days late: 0.6%; Napa, CA twelve-month change 0.0%; Napa, CA peak since 2008: 5.8% (May 2010); California overall 0.5%. Napa, CA ninety-day series: Dec 24 0.6, Jan 25 0.5, Feb 25 0.4 (Napa, CA), Mar 25 0.4, Apr 25 0.5, May 25 0.7 (Napa, CA), Jun 25 0.8, Jul 25 0.7, Aug 25 0.5 (Napa, CA), Sep 25 0.5, Oct 25 0.5, Nov 25 0.4 (Napa, CA), Dec 25 0.6.
Opportunity index: Napa, CA
Napa, CA index 28.7, Napa, CA phase early_signal; Napa, CA primary driver bank institutional, Napa, CA second driver vacancy. Napa, CA components: property stress 25.1, foreclosure pressure 26.7, listing discounts 21.3, bank stress 56.5, insurance 0.0; Napa, CA pulse 32.9; Napa, CA capital opportunity 22.3.
ZIP market phases inside Napa, CA
13 Napa, CA ZIPs carry a price-cycle phase; Napa, CA ZIPs by phase (Napa, CA), deepest drawdown first: contraction, -0.7% YoY, 2.1% off peak (Napa, CA): 94591; contraction, -1.6% YoY, 2.1% off peak (Napa, CA): 94503; contraction, -2.1% YoY, 2.1% off peak (Napa, CA): 94508, 94558, 94559, 94562, Napa, CA 94567, 94573, 94576, 94599; contraction, -2.0% YoY, 2.1% off peak (Napa, CA): 94574; contraction, -0.6% YoY, 1.0% off peak (Napa, CA): 94515; peak, +0.8% YoY, 0.0% off peak (Napa, CA): 95476.
Residential listings by Napa, CA ZIP
Napa, CA ZIPs with the most tracked Napa, CA residential listings: 94558 20 listings, 13 candidates, bank pressure 60; 94503 5 listings, 1 candidates, bank pressure 60; 94559 3 listings, 2 candidates, bank pressure 60; 94574 3 listings, 3 candidates, bank pressure 63 (Napa, CA); 94508 2 listings, 2 candidates, bank pressure 60; 94567 2 listings, 2 candidates, bank pressure 60; 94599 1 listings, 0 candidates, bank pressure 60; 94562 0 listings, 0 candidates, bank pressure 60. Napa, CA totals: 36 listings; Napa, CA candidates 23; active ZIPs 7.
HUD assisted housing in Napa, CA
4 assisted properties with 117 units sit in Napa, CA; largest Napa, CA properties: Jefferson Street Sr Hsg (Napa) 78 units, 77 assisted; Skyline Apartments (Napa) 19 units, 18 assisted; Schoolhouse Court (Napa) 14 units in Napa, CA; Bay House (Napa) 6 units, 6 assisted.
Lenders with branches in Napa, CA
Napa, CA lenders by branch count: Westamerica Bank (Napa, CA): stress 52, 6 branches low in Napa, CA; Bank Of Marin (Napa, CA): stress 67, 2 branches moderate in Napa, CA; Mechanics Bank (Napa, CA): stress 59, 2 branches low in Napa, CA; Poppy Bank (Napa, CA): stress 69, 1 branch moderate in Napa, CA; Farmers&Merchants Bk Cntl Ca (Napa, CA): stress 50, 1 branch low in Napa, CA; Bank Of Stockton (Napa, CA): stress 6, 1 branch low in Napa, CA.
Vacancy and permits, Napa, CA
6,054 of 55,817 Napa, CA housing units are vacant; Napa, CA permits, twelve months: 195 multifamily units in Napa, CA, 259 one-to-four unit units.
Work Napa, CA at the parcel level
Every Napa, CA parcel carries owner and address; every Napa, CA parcel carries APN; Napa, CA distress scores sit on the Napa, CA live board.
Napa, CA figures refresh with each source.
Napa, CA questions
Most distressed ZIP code in Napa County, CA?
ZIP 94591 leads Napa, CA at 27/100; next in Napa, CA: 94503 at 25/100; the Napa, CA average is 23/100.
Where does Napa County, CA rank for investment opportunity?
Napa, CA is #1,728 among all ranked counties, #20 in California; the Napa, CA driver is bank institutional; Napa, CA moved down 105 places.
How many mortgages are delinquent in Napa County, CA?
0.6% of Napa, CA mortgages were ninety-plus days late in December 2025; the Napa, CA peak since 2008 was 5.8%.
Which banks lend in Napa County, CA?
6 watched lenders hold Napa, CA branches; the largest Napa, CA footprints are Westamerica Bank (6), Bank Of Marin (2), Mechanics Bank (2).
More on Napa, CA
Napa County, CA distress report: public-record figures for Napa, CA; not legal advice for Napa, CA; not tax or investment advice; verify every Napa, CA record before acting.