Area data
Upper lake, CA — ZIP 95485
Population: 3,242 (Census ACS)
The median home value in ZIP 95485 (Upper lake, CA) is $322,939 — down 1.5% over the past year. Homes sell for a median $348,000 after a median 69.5 days on market. 5 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with avalanche, drought, inlandflooding the top-rated hazards. Cost of living is 13.3% above the US average (BEA, metro/state-level).
$322,939
Median home value
-1.5%
1-year change
69.5
Median days on market
Relatively Moderate
Hazard risk (county)
Home values & appreciation
- Median home value
- $322,939
- 1-year appreciation
- -1.5%
- 3-year appreciation
- -12.4%
- 5-year appreciation
- -16.6%
- 10-year appreciation
- +25.6%
- All-time peak (2022-06)
- $419,645
- House Price Index (state)
- 417.4 (-0.8% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $348,000
- Median list price
- $379,000
- Median price per sqft
- $270
- 1-year sale-price change
- +18.8%
- Median days on market
- 69.5 days
- Homes sold (recent period)
- 6
- For-sale inventory
- 13
- Sale-to-list ratio
- 98.2%
- Active listings
- 8
- 1-year forecast
- -3.9%
- New listings (monthly)
- 2
Source: recent area sales and market data (ZIP-level)
Rents
- Studio fair-market rent
- $1,495/mo
- 1BR fair-market rent
- $1,869/mo
- 2BR fair-market rent
- $2,330/mo
- 3BR fair-market rent
- $3,029/mo
- 4BR fair-market rent
- $3,495/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (High)
- 113.3 (100 = US avg)
- Electricity rate (state-level)
- 32.5¢/kWh
- Natural gas rate (state-level)
- $22.00/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 5
- Elementary schools
- 1
- Middle schools
- 1
- High schools
- 3
- Schools include
- Upper Lake Elementary, Clover Valley High (Continuation), Upper Lake High, Upper Lake Middle, Upper Lake Community Day
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Moderate
- Top hazards (county)
- avalanche, drought, inlandFlooding, landslide, wildfire
- Notable hazard ratings (county)
- avalanche: Relatively High · drought: Relatively High · earthquake: Relatively Moderate · heatWave: Relatively Low · inlandFlooding: Relatively High · landslide: Relatively High
- FEMA flood zone
- AE
- Flood risk level
- High
- Wildfire risk to homes (county)
- Higher than 100% of US counties
- Buildings in wildfire direct-exposure zone
- 53.1%
- Radon potential (county)
- Low radon potential — EPA Zone 3 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Coast Wood Preserving (16.4 mi)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Annual precipitation
- 36.5 in
- USDA plant hardiness zone
- 9a (extreme annual low 20 to 25°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Air quality
- Air quality rating
- Good
- Median AQI (annual)
- 32
- Days with Good air quality
- 357
- Days with Moderate air quality
- 6
- Highest AQI recorded (year)
- 67
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 4.3 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 1,500
- Jobs reachable by transit (45 min)
- 1,781
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- Airports within 30 mi
- 10
- Nearest airport
- Gravelly Valley Airport (16 mi)
- Nearest major airport
- Ukiah Municipal Airport (UKI) (16 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- ADVENTIST HEALTH CLEARLAKE, SUTTER LAKESIDE HOSPITAL
- Avg hospital rating (CMS)
- 3.0 / 5
- Best hospital rating nearby (CMS)
- 5.0 / 5
- Solar radiation rating
- Good (5.0 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- -14 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,976
- Housing built before 1970
- 39.9%
- Housing built 2000 or later
- 21.4%
- Median annual property tax
- $2,959
- Mean commute to work
- 24 min
- Households with broadband internet
- 49.6%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 12,359
- Average weekly wage
- $917
- Top industries (by employment)
- Health Care, Accommodation & Food, Construction
- Annual residential building permits (county)
- 22
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 95485 | State median | US median | |
|---|---|---|---|
| Median home value | $322,939 | $702,573 | $289,727 |
| Median sale price | $348,000 | $696,000 | $325,000 |
| Median days on market | 70 days | 39 days | 51 days |
| Median annual property tax | $2,959 | $4,533 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 95485?
- $322,939.
- What is the median sale price in ZIP 95485?
- $348,000.
- How long do homes take to sell in ZIP 95485?
- Median days on market: 69.5 days.
- What is typical rent in ZIP 95485?
- 2-bedroom fair-market rent: $2,330/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
- What is the natural-hazard risk in ZIP 95485?
- Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: avalanche, drought, inlandFlooding, landslide, wildfire.
- Is ZIP 95485 in a flood zone?
- High (FEMA NFIP). FEMA flood zone AE.
- What is the wildfire risk in ZIP 95485?
- Risk to homes is higher than 100% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 95485?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 95485?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 95485?
- 5 schools (1 elementary, 1 middle, 3 high) (NCES, 2022-23).
- Is ZIP 95485 walkable?
- Walkability index: 4.3/20 (EPA Smart Location Database).
- What is the air quality in ZIP 95485?
- Good. Median AQI: 32. (EPA AQI).
- What is the cost of living in ZIP 95485?
- Regional Price Parity: 113.3 (100 = US average) (High) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →