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Clearlake city, CA

ZIP 95422 — 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 95422

Median Home Value
$206,300
Median Rent
$840
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,325/mo PITI).

24%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.5 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 95422 in Clearlake city, CA, a household would need roughly $57,000 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 $1,325. That is about 35% above the local median household income ($42,080), 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 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.8%-9% vs US avg
x
Vacancy Rate
25.9%+152% vs US avg
x
Broadband Access
78.6%-10% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.6%-36% vs US avg
x
Mortgage-Free
46.1%+21% vs US avg
x
$206,300
Home Value
$840
Rent
1976
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 detached65.9%
  • 1-unit attached1.1%
  • 2-9 units4.5%
  • 10+ units6.3%
  • Mobile home & other22.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$206,300
Median rent$840
Owner-occupied59.8%
Vacant25.9%
Price-to-income4.9x
Est. income to buy$57,000