Real Estate Investing in Kelseyville, California (95451)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Lake County • Population: 12,793 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 95451 (Kelseyville, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (31/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 21.4% of homes vacant — above national norms.
  • Declining values: -0.4% 5-year CAGR — values have moved lower.
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.

What’s happening in Kelseyville, CA (95451)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $354,734
Avg Monthly Rent $1,738
1% Rule ✗ Does Not Meet
Median Income $61,904
% Renters 28.2%

Market Analysis: 95451 Kelseyville

Investors eyeing 95451 need to respect the fundamentals at play. Home values of $355K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 95451 shows the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Nearby ZIPs in Kelseyville have seen price recovery that 95451 has not matched. Lake County data supports the view that the spread is structural rather than temporary.

Resident income in 95451 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategically, 95451 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.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Kelseyville:

D Needs Caution
Buy Confidence Score: 47/100
Affordability
10/25
Appreciation
5/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Stable (+1.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,738/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
WARM MARKET
Clearlake, CA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Clearlake, CA metro data
🏠

Property Strategy for 95451

Which property type performs best in this market?

Best for Cash Flow
3BR
4.4% cap rate
Best for Appreciation
4BR
+2.6% 5yr CAGR
Best Overall Value
4BR
$115,986/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $221,438 $1,230 4.0% -2.2% $221,438
2BR $308,463 $1,610 3.8% +2.3% $154,231
3BR $363,658 $2,240 4.4% +2.6% $121,219
4BR $463,943 $2,700 4.2% +2.6% $115,986

Market Trends

Home Value History (with trend line)

$420K$361K$302K$243K$184K$125KJan 2007Oct 2016Jul 2026

Rent History (with trend line)

$2,210$2,109$2,007$1,906$1,804$1,703Sep 2025Jan 2026Apr 2026

📊 How Does 95451 Compare?

Metric 95451 Kelseyville Clearlake, CA California
Home Value $354,734 $354,734 N/A $761,003
5-Year CAGR N/A N/A N/A 5.7%
Avg Rent $1,738 $1,738 N/A -
Cap Rate 3.8% 3.8% - -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 95451 (Kelseyville, CA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 95451 (Kelseyville, CA)?

~25 seconds · no account needed · your report is anonymous

Investability
Fair
Cap Rate
3.8%
Low
5yr Growth
-0.4%
Declining

📉 Market Crash Risk Index

Based on Clearlake, CA metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
65%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $354,734
Monthly Rent $1,738
Price-to-Rent 17.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.8%
5-Year IRR 3.5%

📈 Home Appreciation

1-Year +1.4% ▲
3-Year CAGR -1.2% ▼
5-Year CAGR -0.4% ▼
10-Year CAGR +4.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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.

Vacancy
21.4%
Elevated risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
-0.4%
Flat
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 95451

Population: 12,793

💰 Median Household Income
$61,904
This area
$61,904
State
$94,164
USA
$74,580
🏠 Renter Occupied
28.2%
This area
28.2%
State
39.3%
USA
34.0%
💼 Unemployment Rate
5.8%
This area
5.8%
State
-16.6%
USA
3.7%
🎓 College Educated
18.7%
This area
18.7%
State
7.7%
USA
33.7%
👤 Median Age
44.1 years
This area
44.1 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
21.4%
This area
21.4%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 66.0%
Other/Mixed 30.9%
Hispanic/Latino 26.0%
Black/African American 2.8%
Asian 0.4%
👶 Under 18
19.9%
This area
19.9%
USA
22.0%
👴 65 and Over
23.9%
This area
23.9%
USA
17.3%
📊 Poverty Rate
5.4%
This area
5.4%
USA
11.5%

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

🎓 Schools in 95451

C+ Avg School Grade
8 Schools
19.3:1 Avg Class Size
$16,011 Avg Per Pupil

Schools in This ZIP Code

B Good

Kelseyville High

📚 09 – 12 High School
👥
554 Students
👨‍🏫
19.8:1 Class Size
💰
$16,011 Per Student
B Good

Mountain Vista Middle

📚 06 – 08 Middle
👥
384 Students
👨‍🏫
19.6:1 Class Size
💰
$16,011 Per Student
B Good

Riviera Elementary

📚 K – 05 Elementary
👥
296 Students
👨‍🏫
21.1:1 Class Size
💰
$16,011 Per Student
B Good

Kelseyville Community Day

📚 06 – 12 High School
👥
7 Students
👨‍🏫
6.9:1 Class Size
💰
$16,011 Per Student
B Good

Kelseyville Elementary

📚 K – 05 Elementary
👥
573 Students
👨‍🏫
24.3:1 Class Size
💰
$16,011 Per Student
C+ Average

Kelseyville Learning Academy

📚 K – 12 K-12
👥
46 Students
👨‍🏫
15.3:1 Class Size
💰
$16,011 Per Student
C Below Average

Shade Canyon

📚 K – 08 School Charter
👥
38 Students
👨‍🏫
19.0:1 Class Size
D Needs Improvement

Ed Donaldson Education Center

📚 09 – 12 High School
👥
16 Students
👨‍🏫
28.1:1 Class Size
💰
$16,011 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What investment strategy works best in Kelseyville, CA?

A careful cash-flow rentals with hands-on management strategy Kelseyville, CA best. The market produces stable results for that approach at the $355K price point.

Are renters plentiful in Kelseyville, CA?

Expect a solid tenant pool in Kelseyville, CA. The rental market absorbs $1,738/mo rents without meaningful friction.

Are landlord laws favorable in Kelseyville, CA?

Kelseyville, CA falls under CA landlord-tenant law, which is tenant-protective. That backdrop makes day-to-day property management reasonable.

Is Kelseyville, CA a good market for buy-and-hold investors?

Kelseyville, CA rates 2.0/5 for investability. With median values at $355K and rents near $1,738/mo, the market offers reasonable fundamentals for rental investors.

Can I house hack in Kelseyville, CA?

The house hack math a challenging in Kelseyville, CA. Owner-occupant buyers benefit from the $1,738/mo rents and $355K home values.

You know 95451 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 95451 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans

How 95451 ranks in Clearlake, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
🤖

AI Market Advisor

Ask questions about investing in 95451 (Kelseyville)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 95451 (Kelseyville, CA).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.