Cloverdale, CA—95425
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cloverdale, CA
As of Oct '25, the median home price in Cloverdale, CA is $637,000, with a year-over-year change of -3.0%. This indicates that home prices in Cloverdale, CA are decreasing. According to Zillow, the 1-year price projection is -1.5%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $637,000 | -3.0% |
| Single Family | $645,000 | -3.3% |
| Condos | $377,000 | -5.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $493,000 | -2.4% |
2 Bed | $583,000 | -3.2% |
3 Bed | $627,000 | -3.2% |
4 Bed | $744,000 | -3.3% |
| 5 Bed | $849,000 | -4.3% |
% of Housing Stock
Rental Trends — Cloverdale, CA
As of July '25, Rentcast reports the average rent in Cloverdale, CA is $2,400, with a year-over-year rent change of 0.4%. Per bedroom, the median rent as of July '25 in Cloverdale, CA is 1-bedrooms: $1,720, 2-bedrooms: $2,340, 3-bedrooms: $2,600, 4-bedrooms: $3,010. The most common rental property sizes in Cloverdale, CA are 2-bedroom and 1-bedroom, accounting for 26.1% and 25.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,450 | $2,400 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,650 | $1,720 |
| 2 Bed Rent | $2,450 | $2,340 |
| 3 Bed Rent | $2,600 | $2,600 |
| 4 Bed Rent | $3,100 | $3,010 |
% of Rental Stock
Property Listings — Cloverdale, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Cloverdale, CA is 70. This is a increase of 21.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $854,000 | -1.0% |
Listing Count | 40 | 9.0% |
| Listings as % of Homes | 0.3% | 9.0% |
Days on Market | 70 | 21.0% |
Demographics — Cloverdale, CA
As of the latest ACS Survey released in 2023, Cloverdale, CA has a population of 11,400, which has increased by 7.8% over the past 5 years. Cloverdale, CA is a moderately popular place for families, as children make up 17.9% of the population. The area has a moderately educated workforce, with 31.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,400 | 7.8% |
% Under 18 | 17.9% | -18.6% |
% Seniors | 22.9% | 11.2% |
% WFH | 11.5% | 88.5% |
% w/ College Degree | 31.8% | 20.0% |
As of the latest ACS Survey released in 2023, Cloverdale, CA is a predominantly white area, with 62.6% of the population identifying as white. The white population has shrunk by 2.8% in the last 5 years. The second most common race or ethnicity in Cloverdale, CA is hispanic, making up 31.0% of the population. Foreign-born residents account for 17.2% of the population in Cloverdale, CA, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 62.6% | -2.8% |
% Black | 0.9% | 0.0% |
% Hispanic | 31.0% | 11.9% |
% Asian | 1.3% | -65.8% |
% Foreign Born | 17.2% | 0.0% |
Mortgage and Risk — Cloverdale, CA
According to HUD data as of 2023, there were 115 mortgage originations in Cloverdale, CA, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Cloverdale, CA. Investor activity is low, as 2.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 115 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Cloverdale, CA
As of 2024, the percent of homes in Cloverdale, CA under the Section 8 program is 18.0%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Cloverdale, CA, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 229 |
Total Units Section 8 | 229 |
% Rentals under Section 8 | 18.0% |
% Occupied Section 8 | 92.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$20 | $1,650 | $1,630 |
| 2 Bedroom | -$310 | $2,450 | $2,140 |
| 3 Bedroom | $310 | $2,600 | $2,910 |
| 4 Bedroom | -$10 | $3,100 | $3,090 |
Affordability — Cloverdale, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6 |
| Median Home Price | $637,000 |
| Median Household Income | $107,000 |