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Upper Lake CDP, CA

ZIP 95485 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95485

Median Home Value
$364,600
Median Rent
$813
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,342/mo PITI).

12%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

37.4 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 95485 in Upper Lake CDP, CA, a household would need roughly $100,000 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 $2,342. That is about 18% above the local median household income ($84,583), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.1%+12% vs US avg
x
Vacancy Rate
9.0%-13% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
3.1%-55% vs US avg
x
Rent Burden >30%
6.5%-87% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$364,600
Home Value
$813
Rent
1982
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached54.8%
  • 1-unit attached5.4%
  • 2-9 units7.5%
  • 10+ units2.6%
  • Mobile home & other29.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$364,600
Median rent$813
Owner-occupied73.1%
Vacant9.0%
Price-to-income4.3x
Est. income to buy$100,000