Upper Lake, CA—95464
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 $238,000, with a year-over-year change of -8.1%. This indicates that home prices in Upper Lake, CA are decreasing. According to Zillow, the 1-year price projection is -4.3%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $238,000 | -8.1% |
| Single Family | $239,000 | -7.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $212,000 | -10.5% |
3 Bed | $293,000 | -3.9% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Upper Lake, CA
As of July '25, Rentcast reports the average rent in Upper Lake, CA is $1,560, with a year-over-year rent change of -7.1%. Per bedroom, the median rent as of July '25 in Upper Lake, CA is 1-bedrooms: $1,350, 2-bedrooms: $1,520. The most common rental property sizes in Upper Lake, CA are 2-bedroom and 3-bedroom, accounting for 48.5% and 24.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,560 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,350 | $1,350 |
| 2 Bed Rent | $1,400 | $1,520 |
| 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 144. This is a increase of 118.0% 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 10.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $288,000 | 15.0% |
Listing Count | 20 | 0.0% |
| Listings as % of Homes | 0.6% | 0.0% |
Days on Market | 144 | 118.0% |
Demographics — Upper Lake, CA
As of the latest ACS Survey released in 2023, Upper Lake, CA has a population of 2,420, which has decreased by -4.8% over the past 5 years. Upper Lake, CA is a moderately popular place for families, as children make up 21.1% of the population. The area has a poorly educated workforce, with 16.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,420 | -4.8% |
% Under 18 | 21.1% | -11.0% |
% Seniors | 24.8% | 22.2% |
% WFH | 5.2% | -48.0% |
% w/ College Degree | 16.0% | 0.0% |
As of the latest ACS Survey released in 2023, Upper Lake, CA is a predominantly white area, with 55.4% of the population identifying as white. The white population has shrunk by 11.6% in the last 5 years. The second most common race or ethnicity in Upper Lake, CA is hispanic, making up 29.0% of the population. Foreign-born residents account for 9.2% of the population in Upper Lake, CA, and this percentage has increased by 119.0% 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 | 55.4% | -11.6% |
% Black | 0.6% | -87.5% |
% Hispanic | 29.0% | 110.1% |
% Asian | 2.6% | 0.0% |
% Foreign Born | 9.2% | 119.0% |
Mortgage and Risk — Upper Lake, CA
According to HUD data as of 2023, there were 15 mortgage originations in Upper Lake, CA, of which 60.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 53.0% 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. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 15 |
% Conventional Loans | 60.0% |
% Government Loans | 40.0% |
% Investor Loans | 0.0% |
% Second Loans | 7.0% |
% Cash Out Refinance | 7.0% |
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 | 17 |
Total Units Section 8 | 17 |
% 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 | -$350 | $1,350 | $1,000 |
| 2 Bedroom | -$90 | $1,400 | $1,310 |
| 3 Bedroom | N/A | N/A | $1,840 |
| 4 Bedroom | N/A | N/A | $2,200 |
Affordability — Upper Lake, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $238,000 |
| Median Household Income | $73,200 |