ZIP Code 95423 — Clearlake Oaks, California

The median home in 95423 is valued at $270,300 against a median household income of $42,648, a price-to-income ratio of 6.3. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Lake County, 95423 ranks 10 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 32.8% of median household income (median rent $1,167 a month), above the 30% cost-burden threshold.

95423 ranks 1,487 of 1,558 statewide on median household income and 1,383 of 1,558 on median home value; its income is below the $66,944 Lake County median. 69% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 21.7%, far above the 10.8% statewide ZIP median. Unemployment stands at 11.0%.

With 27 residents per square mile across 122.4 square miles of land, 95423 is far less dense than the statewide ZIP median of 1,120 (rank 1,313 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.