Upper Lake, CA—95469
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Upper Lake, CA
Home Price Trends — Upper Lake, CA
As of Oct '25, the median home price in Upper Lake, CA is $435,000, with a year-over-year change of -5.7%. This indicates that home prices in Upper Lake, CA are decreasing. According to Zillow, the 1-year price projection is -5.0%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $435,000 | -5.7% |
| Single Family | $435,000 | -5.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $287,000 | -7.4% |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Upper Lake, CA
Upper Lake, CA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Upper Lake, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Upper Lake, CA is 115. This is a increase of 20.0% 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 32.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $530,000 | 31.0% |
Listing Count | 25 | 36.0% |
| Listings as % of Homes | 1.8% | 36.0% |
Days on Market | 115 | 20.0% |
Demographics — Upper Lake, CA
As of the latest ACS Survey released in 2023, Upper Lake, CA has a population of 1,500, which has decreased by -25.4% over the past 5 years. Upper Lake, CA is a moderately popular place for families, as children make up 16.8% of the population. The area has a moderately educated workforce, with 34.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,500 | -25.4% |
% Under 18 | 16.8% | -38.7% |
% Seniors | 31.1% | 62.8% |
% WFH | 10.7% | 40.8% |
% w/ College Degree | 34.6% | 41.2% |
As of the latest ACS Survey released in 2023, Upper Lake, CA is a predominantly white area, with 69.5% of the population identifying as white. The white population has shrunk by 16.0% in the last 5 years. The second most common race or ethnicity in Upper Lake, CA is hispanic, making up 17.6% of the population. Foreign-born residents account for 6.5% of the population in Upper Lake, CA, and this percentage has increased by 66.7% 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 | 69.5% | -16.0% |
% Black | 3.6% | 414.3% |
% Hispanic | 17.6% | 77.8% |
% Asian | 0.9% | 80.0% |
% Foreign Born | 6.5% | 66.7% |
Mortgage and Risk — Upper Lake, CA
According to HUD data as of 2023, there were 15 mortgage originations in Upper Lake, CA, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Upper Lake, CA. Investor activity is low, as 0.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 15 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Upper Lake, CA
Upper Lake, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 12 |
Total Units Section 8 | 12 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,170 |
| 2 Bedroom | N/A | N/A | $1,530 |
| 3 Bedroom | N/A | N/A | $2,150 |
| 4 Bedroom | N/A | N/A | $2,570 |
Affordability — Upper Lake, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.4 |
| Median Home Price | $435,000 |
| Median Household Income | $66,400 |