Lake County, California home prices
Typical home $301,548 · -1.1% in a year · property tax 0.73%
The typical home in Lake County is worth $301,548, 60% less than the California typical home ($761,538). Values changed -1.1% in the past year and -7.5% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($2,203 on the typical home), versus 0.72% statewide.
Mortgage on the typical Lake County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,310 | $241,238 | $1,623 | $0 | $334 | $1,957 | $83,900 |
| 10% down | $30,155 | $271,393 | $1,826 | $113 | $334 | $2,273 | $97,400 |
| 5% down | $15,077 | $286,470 | $1,927 | $119 | $334 | $2,381 | $102,000 |
| 3.5% down (FHA) | $10,554 | $296,086 | $1,992 | $133 | $334 | $2,460 | $105,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the Clearlake metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tehama County | $315,084 | +3.1% | 0.62% |
| Siskiyou County | $281,544 | -1.4% | 0.64% |
| Sierra County | $323,410 | -0.3% | 0.69% |
| Kern County | $360,205 | +0.0% | 0.88% |
| Glenn County | $360,411 | +3.0% | 0.64% |
| Tulare County | $360,861 | +1.9% | 0.7% |
| Del Norte County | $361,100 | -1.1% | 0.61% |
| Kings County | $363,953 | +3.0% | 0.75% |
| Plumas County | $364,061 | -0.1% | 0.7% |
| Shasta County | $367,699 | +0.0% | 0.69% |
Frequently asked questions
What is the average home price in Lake County, CA?
The typical home value in Lake County is $301,548 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lake County?
About $83,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lake County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).