Napa County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Napa County, California? DLRadar grades every Napa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Napa County breakdown.
- Napa County's most distressed ZIP is 94591 at 28/100.
- 13 ZIP codes tracked in Napa County, averaging 24/100 distress.
- Napa County reads contraction — home values down 2.1% year over year, 2.1% off peak.
- Vacancy runs 14.4% across Napa County's tracked ZIPs, with a 8.5% poverty rate.
- The typical Napa County home is worth about $865,327 against a ~$109,366 median income.
- Lending headwind in Napa County sits at 38/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 94591 | 28/100 |
| 2 | 94503 | 26/100 |
| 3 | 94508 | 24/100 |
| 4 | 94558 | 24/100 |
| 5 | 94559 | 24/100 |
| 6 | 94562 | 24/100 |
| 7 | 94567 | 24/100 |
| 8 | 94573 | 24/100 |
| 9 | 94574 | 24/100 |
| 10 | 94576 | 24/100 |
| 11 | 94599 | 24/100 |
| 12 | 95476 | 21/100 |
Most distressed ZIP codes in Napa County (composite distress 0-100, 2026)
What is driving Napa County distress
The Napa County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 24/100 ZIP average. No proprietary or modelled inputs enter the score.
Napa County market phase and pricing
Napa County currently sits in contraction after a 2.1% decline in the past twelve months, 2.1% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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What people ask
What is the most distressed ZIP code in Napa County, CA?
ZIP 94591 leads Napa County at 28/100, recomputed monthly from public records.
How would you describe the Napa County market phase?
The market phase for Napa County is contraction, prices falling 2.1% on the year — derived from the FHFA House Price Index path.
Where does the Napa County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 13 Napa County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Napa County ZIP codes?
Averaging the county conceals how uneven it is. Across the Napa County ZIPs DLRadar ranks, scores run from 28/100 in 94591 down to 21/100 in 95476, against a Napa County average of 24/100. A spread of 7 points means Napa County has to be worked ZIP by ZIP.
What do Napa County home values and vacancy say about distressed supply?
The typical Napa County home carries about $865,327 of value against a median household income near $109,366. Vacancy across Napa County's tracked ZIPs runs 14.4% and the poverty rate is 8.5%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Napa County's filings and its 38/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.