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Lower Lake CDP, CA

ZIP 95457 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95457

Median Home Value
$414,100
Median Rent
$911
Affordability Snapshot
$114,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,660/mo PITI).

21%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.9x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

37.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95457 in Lower Lake CDP, CA, a household would need roughly $114,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,660. That is about 118% above the local median household income ($52,266), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.3%+17% vs US avg
x
Vacancy Rate
21.2%+106% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.6%-54% vs US avg
x
Mortgage-Free
42.6%+11% vs US avg
x
$414,100
Home Value
$911
Rent
1980
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.9%
  • 1-unit attached1.4%
  • 2-9 units2.1%
  • 10+ units0.0%
  • Mobile home & other21.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$414,100
Median rent$911
Owner-occupied76.3%
Vacant21.2%
Price-to-income7.9x
Est. income to buy$114,000