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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about Napa?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in Napa right now. Listings below $500,000 were included if necessary.

1017 Headlands Dr, Napa, CA 94558
- Price: $499,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,827
- See 1017 Headlands Dr, Napa, CA 94558 on

1629 Hillview Pl, Saint Helena, CA 94574
- Price: $477,500
- 3 bedrooms, 2 bathrooms
- Square feet: 1,818
- See 1629 Hillview Pl, Saint Helena, CA 94574 on

181 Berryessa Dr, Napa, CA 94558
- Price: $410,888
- 3 bedrooms, 2 bathrooms
- Square feet: 1,344
- See 181 Berryessa Dr, Napa, CA 94558 on

1422 N Oak St, Calistoga, CA 94515
- Price: $445,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,228
- See 1422 N Oak St, Calistoga, CA 94515 on

18 Joan Dr, American Canyon, CA 94503
- Price: $399,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,085
- See 18 Joan Dr, American Canyon, CA 94503 on

1198 Pear Tree Ln, Napa, CA 94558
- Price: $499,000
- 2 bedrooms, 2.5 bathrooms
- Square feet: 1,301
- See 1198 Pear Tree Ln, Napa, CA 94558 on

1005 Valley View St, Saint Helena, CA 94574
- Price: $350,000
- 2 bedrooms, 2.5 bathrooms
- Square feet: 1,100
- See 1005 Valley View St, Saint Helena, CA 94574 on

1090 Blueridge Dr, Napa, CA 94558
- Price: $440,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,872
- See 1090 Blueridge Dr, Napa, CA 94558 on

4048 Old Sonoma Hwy, Napa, CA 94559
- Price: $350,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,750
- See 4048 Old Sonoma Hwy, Napa, CA 94559 on

4048 Old Sonoma Hwy, Napa, CA 94559
- Price: $295,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,500
- See 4048 Old Sonoma Hwy, Napa, CA 94559 on

433 Freeway Dr, Napa, CA 94558
- Price: $469,000
- 2 bedrooms, 1.5 bathrooms
- Square feet: 1,083
- See 433 Freeway Dr, Napa, CA 94558 on

3478 Willis Dr, Napa, CA 94558
- Price: $449,995
- 2 bedrooms, 1.5 bathrooms
- Square feet: 958
- See 3478 Willis Dr, Napa, CA 94558 on

1074 Marina Dr, Napa, CA 94559
- Price: $460,000
- 2 bedrooms, 1.5 bathrooms
- Square feet: 943
- See 1074 Marina Dr, Napa, CA 94559 on

1132 Marina Dr, Napa, CA 94559
- Price: $430,000
- 2 bedrooms, 1.5 bathrooms
- Square feet: 943
- See 1132 Marina Dr, Napa, CA 94559 on

2230 Stagecoach Canyon Rd, Pope Valley, CA 94567
- Price: $325,000
- 2 bedrooms, 1 bathroom
- Square feet: 1,032
- See 2230 Stagecoach Canyon Rd, Pope Valley, CA 94567 on

1314 Mckinstry St, Napa, CA 94559
- Price: $495,000
- 0 bedrooms, 1 bathroom
- Square feet: 462
- See 1314 Mckinstry St, Napa, CA 94559 on