High-rent metro gap - Napa, CA MSA
Displayed gap in Napa, CA MSA: +24.1% (HUD $2,773 vs ACS $2,234) · counties in FMR rows: Napa County .
FMR gap dispatch plate
CBSA 34900 · Napa, CA -24.1% shortfall
GAP-GENEROUS · FMR-TOP · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL
- GAP-GENEROUS 24.1% surplus
- FMR-TOP #389/396 · P98
- SPREAD-PLUS +$539
- PHOTO-FINISH Canton-Massillon
- COUNTY-SPARSE 1 county
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Canton-Massillon, OH Metro Area (+0.0pp)
HUD's reference overshoots the ACS median by $539/mo. Lease-up odds are usually better than in shortfall markets, though still compare Canton-Massillon, OH Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around Napa, CA
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Canton-Massillon -24.11
Canton-Massillon: -24.1% shortfall
-24.11 % shortfall
- Napa · this metro -24.13
Napa · this metro: -24.1% shortfall
-24.13 % shortfall
- Modesto -24.15
Modesto: -24.1% shortfall
-24.15 % shortfall
- Panama City-Pana -24.22
Panama City-Pana: -24.2% shortfall
-24.22 % shortfall
- Ogden -24.25
Ogden: -24.3% shortfall
-24.25 % shortfall
How does Napa, CA compare with nearby FMR areas?
These are the twelve metros closest to Napa, CA on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Canton-Massillon, OH Metro Area
-24.1% shortfall · HUD $1,086 vs ACS $875 · $+$211/mo
HUD FMR-area counties: Carroll County, Stark County.
- Modesto, CA Metro Area
-24.1% shortfall · HUD $1,758 vs ACS $1,416 · $+$342/mo
HUD FMR-area counties: Stanislaus County.
- Panama City-Panama City Beach, FL Metro Area
-24.2% shortfall · HUD $1,682 vs ACS $1,354 · $+$328/mo
HUD FMR-area counties: Bay County.
- Ogden, UT Metro Area
-24.3% shortfall · HUD $1,614 vs ACS $1,299 · $+$315/mo
HUD FMR-area counties: Davis County, Morgan County, Weber County.
- Dallas-Fort Worth-Arlington, TX Metro Area
-23.9% shortfall · HUD $1,931 vs ACS $1,558 · $+$373/mo
HUD FMR-area counties: Collin County, Dallas County, Denton County, Ellis County, Hunt County, Kaufman County.
- Cincinnati, OH-KY-IN Metro Area
-24.4% shortfall · HUD $1,353 vs ACS $1,088 · $+$265/mo
HUD FMR-area counties: Boone County, Bracken County, Butler County, Campbell County, Clermont County, Dearborn County.
- Oxnard-Thousand Oaks-Ventura, CA Metro Area
-23.9% shortfall · HUD $2,693 vs ACS $2,174 · $+$519/mo
HUD FMR-area counties: Ventura County.
- Kankakee, IL Metro Area
-24.4% shortfall · HUD $1,326 vs ACS $1,066 · $+$260/mo
HUD FMR-area counties: Kankakee County.
- Spartanburg, SC Metro Area
-23.8% shortfall · HUD $1,187 vs ACS $959 · $+$228/mo
HUD FMR-area counties: Spartanburg County.
- Durham-Chapel Hill, NC Metro Area
-23.7% shortfall · HUD $1,711 vs ACS $1,383 · $+$328/mo
HUD FMR-area counties: Chatham County, Durham County, Orange County.
- Ocala, FL Metro Area
-24.6% shortfall · HUD $1,373 vs ACS $1,102 · $+$271/mo
HUD FMR-area counties: Marion County.
- Palm Bay-Melbourne-Titusville, FL Metro Area
-23.7% shortfall · HUD $1,709 vs ACS $1,382 · $+$327/mo
HUD FMR-area counties: Brevard County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
CA FMR scale context
These are the closest FY2026 2-BR FMR values in CA; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Santa Rosa-Petaluma, CA MSA $2,827 (+$54)
- Oxnard-Thousand Oaks-Ventura, CA MSA $2,693 (−$80)
- Salinas, CA MSA $2,684 (−$89)
- San Benito County, CA HUD Metro FMR Area $2,902 (+$129)
- Oakland-Fremont, CA HUD Metro FMR Area $2,912 (+$139)
- Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area $2,601 (−$172)
- San Diego-Chula Vista-Carlsbad, CA MSA $3,001 (+$228)
- San Luis Obispo-Paso Robles, CA MSA $2,512 (−$261)
- Santa Maria-Santa Barbara, CA MSA $3,124 (+$351)
- Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area $2,255 (−$518)
Low-FMR contrast (scale only)
Muncie, IN MSA ($1,043 2-BR); Morgantown, WV MSA ($1,099 2-BR); Montgomery, AL MSA ($1,016 2-BR); Morehouse Parish, LA HUD Metro FMR Area ($834 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Napa, CA MSA.
Napa, CA MSA gap inputs
- HUD 2-BR FMR (FY2026): $2,773/mo
- ACS 2019–2023 2-BR median: $2,234/mo
- Displayed gap: +24.1%
- National FMR percentile: 98 (#389/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for Napa, CA MSA
CA HCV agencies (scale-keyed)
Full payment standards for Napa, CA MSA · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.