Market Overview
Home Prices in Upper Lake, CA
The median home value in Upper Lake, CA is $326,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.8% compared to a year ago and down 3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Upper Lake are priced20% below average. Upper Lake is part of the Clearlake, CA metro area.
Over the past five years, Upper Lake home values have fallen by approximately11.8%, reflecting softening conditions in this market.
Price History
Upper Lake Home Price Trend
City Comparison
Upper Lake vs. National Median
At $326,472, homes in Upper Lake cost 20% below the national median of $410,000. This makes Upper Lake a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Upper Lake?
20% Down Payment
$65,294
on $326,472
Monthly P&I
$1,703/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,163/mo
incl. taxes & insurance
Income Needed
$86,520
gross annual (30% rule)
10% Down Option
$32,647
+ PMI applies
Loan Amount (20% dn)
$261,178
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Upper Lake, CA?
The median home value in Upper Lake is $326,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.8% year-over-year.
How much have home prices changed in Upper Lake?
Over the past year, home values in Upper Lake have decreased by 0.8%. Over five years, prices have fallen approximately 11.8%.
How much do I need to earn to buy a home in Upper Lake?
To comfortably afford the median home price of $326,472 with a 20% down payment ($65,294) at today's rates (6.8%), you'd need a gross annual income of approximately $86,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Upper Lake compare to the national average home price?
The national median home value is approximately $410,000. At $326,472, homes in Upper Lake are 20% below the national average.
What metro area is Upper Lake part of?
Upper Lake is part of the Clearlake, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.