Clearlake, CA home prices
Typical home $301,519 · -1.1% in a year · income needed $83,900
The Clearlake, CA metro area ranks 318 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.1% in a year and -7.5% over five years. With 20% down at 7.11%, the typical home costs about $1,957 a month including 0.73% property tax (Lake County rate).
Mortgage on the typical Clearlake home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,304 | $241,215 | $1,623 | $0 | $334 | $1,957 | $83,900 |
| 10% down | $30,152 | $271,367 | $1,826 | $113 | $334 | $2,273 | $97,400 |
| 5% down | $15,076 | $286,443 | $1,927 | $119 | $334 | $2,381 | $102,000 |
| 3.5% down (FHA) | $10,553 | $296,057 | $1,992 | $133 | $334 | $2,459 | $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.
Counties in the Clearlake area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lake County, CA | $301,548 | -1.1% | 0.73% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Clearlake?
The typical home in the Clearlake, CA metro area is worth $301,519 (Zillow, September 2026).
What salary do you need to buy a house in Clearlake?
About $83,900 a year for the typical home with 20% down at 7.11%.