Best ZIP Codes for Cash Flow in Clearlake, CA (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 95461 | Middletown, CA | $320,770 | $2,268 | 5.51% | -1.3% |
| 2 | 95467 | Hidden Valley Lake, CA | $367,072 | $2,425 | 5.15% | -0.5% |
| 3 | 95422 | Clearlake, CA | $207,806 | $1,363 | 5.11% | -0.4% |
| 4 | 95426 | Middletown, CA | $289,312 | $1,809 | 4.88% | -0.2% |
| 5 | 95464 | Upper Lake, CA | $231,207 | $1,368 | 4.62% | -2.8% |
| 6 | 95424 | Clearlake, CA | $267,663 | $1,395 | 4.07% | -2.5% |
| 7 | 95453 | Lakeport, CA | $363,278 | $1,838 | 3.95% | -0.8% |
| 8 | 95458 | Lucerne, CA | $240,972 | $1,197 | 3.87% | -1.0% |
| 9 | 95423 | Clearlake Oaks, CA | $258,903 | $1,278 | 3.85% | -0.7% |
| 10 | 95451 | Kelseyville, CA | $354,734 | $1,738 | 3.82% | -0.4% |
| 11 | 95457 | Lower Lake, CA | $382,557 | $1,872 | 3.82% | -2.3% |
| 12 | 95443 | Lucerne, CA | $282,854 | $1,224 | 3.38% | -0.2% |
| 13 | 95469 | Upper Lake, CA | $417,005 | $1,701 | 3.18% | -6.8% |
| 14 | 95485 | Nice, CA | $322,939 | $1,278 | 3.09% | -3.3% |
| 15 | 95979 | Stonyford, CA | $281,648 | $981 | 2.72% | 3.2% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Appreciation in Clearlake, CA · Affordable in Clearlake, CA
Or see the full Clearlake, CA metro profile.