ZIP 95435 housing market
Data through Sep 2026 · Seller's market · leverage 32
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Buyer Leverage Score
32
Jan 2025
Days on Market
46 days
Sep 2026
Price Cut %
0.0%
Sep 2026
Sale-to-List Ratio
100.0%
Nov 2024
Expected Disaster Loss
$747
Dec 2025
What this means
- Supply. There are 0% more homes for sale than the 2017-19 norm, so buyers have more to choose from than before the pandemic.
- Negotiating. Buyer leverage is low (32/100; U.S.: 54) (as of Jan 2025): homes typically sell at or above asking (100.0% of list) (as of Nov 2024); 0% of listings had a price cut (U.S.: 26%).
- Disaster risk. FEMA expects about $747 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
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Other ZIP codes in Lake County, CA
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Clearlake, CA 95422 | $208.2K | −3.3% | 85 |
| Kelseyville, CA 95451 | $354.1K | +0.1% | 89 |
| Lakeport, CA 95453 | $360.2K | −1.8% | 83 |
| Hidden Valley Lake, CA 95467 | $366.7K | −1.7% | 97 |
| Lucerne, CA 95458 | $239.2K | −5.9% | 100 |
| Clearlake Oaks, CA 95423 | $258.9K | −2.7% | 99 |
| Middletown, CA 95461 | $317.3K | −3.1% | 99 |
| Upper Lake, CA 95485 | $315.7K | −1.2% | 83 |
| Lower Lake, CA 95457 | $377.6K | −2.0% | 94 |
| Nice, CA 95464 | $227.6K | −3.2% | 84 |
| Middletown, CA 95426 | $287.2K | −1.6% | 70 |
| Witter Springs, CA 95493 | – | – | 38 |
| Lucerne, CA 95443 | $285.8K | +4.3% | 92 |