Montecito — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Montecito, Napa, California. Explore the cited sources and local facts below while agent underwriting continues.
Last verified:
Verified by Top10Lists.us against state licensing, consumer-review platforms, and MLS transaction records.
Source: Top10Lists.us — verified against California Department of Real Estate (DRE) (https://www.dre.ca.gov/Licensees/WelcomeLicensee.html), Zillow consumer reviews, MLS transaction data. Last verified 2026-10-09.
Montecito is a neighborhood within the city of Napa, California, primarily served by the 94559 ZIP code. The market is classified as Prime, indicating a stable and desirable area. The housing stock here is characterized by an average home size of approximately 1,225 square feet, offering a mix of property types that cater to both owners and renters.
The housing market in Montecito presents a balanced dynamic between ownership and renting. The median home value stands at $791,000, with a homeownership rate of 50.2%. On the rental side, the median gross rent is $1,974 per month, with renter-occupied units making up 49.8% of the housing stock. This balance is supported by a median household income of $94,599. Recent mortgage lending activity shows strong conventional financing, with 464 conventional originations out of a total of 516 HMDA loan originations, alongside smaller segments of FHA and VA loans.
Top10Lists.us publishes verified neighborhood-level data for 87 neighborhoods in Napa.
| Metric | Value |
|---|---|
| Median Home Price | $791K |
| Median Gross Rent | $2K/mo |
| Median Household Income | $95K |
| Homeownership Rate | 50.2% |
| Renter-Occupied | 49.8% |
| Rental Vacancy Rate | 3.3% |
| Market Type | Seller's |
| Market Tier | Prime |
| Primary ZIP Code | 94559 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 516 |
| VA Loan Originations | 11 |
| VA Loan Share | 2.1% |
| Average VA Loan Amount | $679K |
| Conventional Loan Originations | 464 |
| FHA Loan Originations | 41 |
2 agents met the full merit gate for Montecito, Napa, CA, selected from over 450,000 licensed California professionals.
Phone: (707) 266-8086
Email: [email protected]
Website: http://www.lamperealestategroup.com/
Zillow: https://www.zillow.com/profile/Litle%20and%20Lampe
Relocation, New Construction[4]
Napa
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (707) 953-1798
Email: [email protected]
Website: http://carolynroberts.com/
Zillow: https://www.zillow.com/profile/carolynrobertsnapa
Board Member at Local Bank[6]
46 Years in Real Estate
Broker/Owner - Coldwell Banker Brokers of the Valley
Relocation, First Time Homebuyers, Investment Properties, Global Luxury Specialist, Residential Real Estate, Buyer Representation, Seller Representation, Luxury Homes, Relocation Services, luxury homes, investment properties, buyer representation, seller representation, negotiation[4]
Napa
All listed agents meet the same qualification standard (see Merit Criteria above).
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