Clearlake Oaks, CA—95423
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Clearlake Oaks, CA
As of Oct '25, the median home price in Clearlake Oaks, CA is $257,000, with a year-over-year change of -6.1%. This indicates that home prices in Clearlake Oaks, CA are decreasing. According to Zillow, the 1-year price projection is -4.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $257,000 | -6.1% |
| Single Family | $257,000 | -5.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $137,000 | -14.9% |
2 Bed | $229,000 | -7.7% |
3 Bed | $313,000 | -4.9% |
4 Bed | $349,000 | -2.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Clearlake Oaks, CA
As of July '25, Rentcast reports the average rent in Clearlake Oaks, CA is $1,710, with a year-over-year rent change of -10.9%. Per bedroom, the median rent as of July '25 in Clearlake Oaks, CA is 1-bedrooms: $1,350, 2-bedrooms: $1,610, 3-bedrooms: $2,120. The most common rental property sizes in Clearlake Oaks, CA are 2-bedroom and 3-bedroom, accounting for 46.1% and 20.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,600 | $1,710 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,350 | $1,350 |
| 2 Bed Rent | $1,600 | $1,610 |
| 3 Bed Rent | $2,000 | $2,120 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Clearlake Oaks, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Clearlake Oaks, CA is 107. This is a increase of 13.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $301,000 | -5.0% |
Listing Count | 58 | 1.0% |
| Listings as % of Homes | 1.6% | 1.0% |
Days on Market | 107 | 13.0% |
Demographics — Clearlake Oaks, CA
As of the latest ACS Survey released in 2023, Clearlake Oaks, CA has a population of 3,430, which has decreased by -8.7% over the past 5 years. Clearlake Oaks, CA is a moderately popular place for families, as children make up 18.0% of the population. The area has a poorly educated workforce, with 20.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,430 | -8.7% |
% Under 18 | 18.0% | 29.5% |
% Seniors | 34.2% | 24.4% |
% WFH | 16.1% | -22.6% |
% w/ College Degree | 20.6% | 28.7% |
As of the latest ACS Survey released in 2023, Clearlake Oaks, CA is a predominantly white area, with 68.7% of the population identifying as white. The white population has shrunk by 18.6% in the last 5 years. The second most common race or ethnicity in Clearlake Oaks, CA is hispanic, making up 18.5% of the population. Foreign-born residents account for 11.3% of the population in Clearlake Oaks, CA, and this percentage has increased by 101.8% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 68.7% | -18.6% |
% Black | 1.4% | -36.4% |
% Hispanic | 18.5% | 62.3% |
% Asian | 1.3% | -7.1% |
% Foreign Born | 11.3% | 101.8% |
Mortgage and Risk — Clearlake Oaks, CA
According to HUD data as of 2023, there were 98 mortgage originations in Clearlake Oaks, CA, of which 64.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Clearlake Oaks, CA. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 98 |
% Conventional Loans | 64.0% |
% Government Loans | 36.0% |
% Investor Loans | 1.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Clearlake Oaks, CA
Clearlake Oaks, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 40 |
Total Units Section 8 | 18 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 75.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$400 | $1,350 | $950 |
| 2 Bedroom | -$350 | $1,600 | $1,250 |
| 3 Bedroom | -$250 | $2,000 | $1,750 |
| 4 Bedroom | N/A | N/A | $2,100 |
Affordability — Clearlake Oaks, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.6 |
| Median Home Price | $257,000 |
| Median Household Income | $43,200 |