Lower Lake, CA—95457
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Lower Lake, CA
As of Nov '25, the median home price in Lower Lake, CA is $364,000, with a year-over-year change of -3.6%. This indicates that home prices in Lower Lake, CA are decreasing. According to Zillow, the 1-year price projection is -3.8%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $364,000 | -3.6% |
| Single Family | $364,000 | -3.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $334,000 | -2.9% |
3 Bed | $428,000 | -2.9% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Lower Lake, CA
As of July '25, Rentcast reports the average rent in Lower Lake, CA is $1,620, with a year-over-year rent change of -23.6%. Per bedroom, the median rent as of July '25 in Lower Lake, CA is 2-bedrooms: $1,620. The most common rental property sizes in Lower Lake, CA are 3-bedroom and 2-bedroom, accounting for 38.1% and 24.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,620 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,400 | $1,620 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Lower Lake, CA
As of Nov '25, Realtor.com reports that the median days on market for a home in Lower Lake, CA is 139. This is a decrease of -1.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $530,000 | -7.0% |
Listing Count | 27 | -7.0% |
| Listings as % of Homes | 1.4% | -7.0% |
Days on Market | 139 | -1.0% |
Demographics — Lower Lake, CA
As of the latest ACS Survey released in 2023, Lower Lake, CA has a population of 3,040, which has decreased by -8.8% over the past 5 years. Lower Lake, CA is a less popular place for families, as children make up 8.7% of the population. The area has a poorly educated workforce, with 21.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,040 | -8.8% |
% Under 18 | 8.7% | -54.7% |
% Seniors | 28.3% | 1.8% |
% WFH | 7.5% | 0.0% |
% w/ College Degree | 21.7% | 76.4% |
As of the latest ACS Survey released in 2023, Lower Lake, CA is a predominantly white area, with 65.7% of the population identifying as white. The white population has shrunk by 9.9% in the last 5 years. The second most common race or ethnicity in Lower Lake, CA is hispanic, making up 21.9% of the population. Foreign-born residents account for 9.9% of the population in Lower Lake, CA, and this percentage has increased by 8.8% 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 | 65.7% | -9.9% |
% Black | 0.6% | 200.0% |
% Hispanic | 21.9% | 0.5% |
% Asian | 2.9% | ∞% |
% Foreign Born | 9.9% | 8.8% |
Mortgage and Risk — Lower Lake, CA
According to HUD data as of 2023, there were 51 mortgage originations in Lower Lake, CA, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Lower Lake, CA. Investor activity is low, as 2.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 51 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 18.0% |
Rentals and Section 8 — Lower Lake, CA
Lower Lake, CA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 7 |
Total Units Section 8 | 7 |
% 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 | $1,440 |
| 2 Bedroom | $490 | $1,400 | $1,890 |
| 3 Bedroom | N/A | N/A | $2,620 |
| 4 Bedroom | N/A | N/A | $3,110 |
Affordability — Lower Lake, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.9 |
| Median Home Price | $364,000 |
| Median Household Income | $52,300 |