ZIP Code 95457 — Lower Lake, California

The median home in 95457 is valued at $379,600 against a median household income of $42,721, a price-to-income ratio of 8.9. That is above 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, 95457 ranks 11 of 12 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.2. Renting takes 32.3% of median household income (median rent $1,149 a month), above the 30% cost-burden threshold.

95457 ranks 1,486 of 1,558 statewide on median household income and 1,148 of 1,558 on median home value; its income is below the $66,944 Lake County median. 73% of households own their home, above the 64% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 31.4%, far above the 10.8% statewide ZIP median and among the highest in the state. Unemployment stands at 5.4%.

With 22 residents per square mile across 147.9 square miles of land, 95457 is far less dense than the statewide ZIP median of 1,120 (rank 1,338 of 1,558). This is rural or open territory where most of the land is agricultural, forest, desert or public land.