Real Estate Investing in Clearlake, California (95424)
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Should you buy in 95424 (Clearlake, CA)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Declining values: -2.5% 5-year CAGR — values have moved lower.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Clearlake, CA (95424)?
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Market Analysis: 95424 Clearlake
This part of Lake County is not an easy win. The 95424 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed markets are won on execution, not on spreadsheets. ZIP 95424 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Statewide comparisons place 95424 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
The demographic picture in 95424 includes headwinds that any investor should price in. Income distribution skews lower than Clearlake averages, and tenant stability requires active management.
Strategically, 95424 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Clearlake:
Market Trends
Home Value History (with trend line)
📊 How Does 95424 Compare?
| Metric | 95424 | Clearlake | Clearlake, CA | California |
|---|---|---|---|---|
| Home Value | $267,663 | $237,734 | N/A | $761,003 |
| 5-Year CAGR | N/A | N/A | N/A | 5.7% |
| Avg Rent | $1,395 | $1,379 | N/A | - |
| Cap Rate | 4.1% | 4.6% | - | - |
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 95424 (Clearlake, CA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $267,663 |
| Monthly Rent | $1,395 |
| Price-to-Rent | 16.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.3% |
| Cap Rate | 4.1% |
| 5-Year IRR | 1.6% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | -1.2% ▼ |
| 5-Year CAGR | -2.5% ▼ |
| 10-Year CAGR | +3.9% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (7.0%) exceeds the estimated cap rate (4.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 95424
Population: 0
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
Does Clearlake, CA make sense for an investment property?
Yes - Clearlake, CA a 3.0/5 investability score. With $268K home prices against $1,395/mo monthly rent, the market delivers a reasonable entry point for new investors.
Where do home prices stand in Clearlake, CA?
Expect median prices around $268K in Clearlake, CA. The market has run at a 0.0% 5-year CAGR, so entry costs have been predictable.
What monthly rent should investors expect in Clearlake, CA?
Clearlake, CA rentals go for roughly $1,395/mo a month. That puts gross yield in solid territory relative to $268K acquisition costs.
Is house hacking profitable in Clearlake, CA?
The a challenging house-hack environment in Clearlake, CA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
Are there empty rentals in Clearlake, CA?
Vacancy risk in Clearlake, CA is elevated. That supports consistent cash flow for typical rental holds.
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