Español

Este sitio también está en español. Leer en español

City · 5,872 residents · Lake County, California

Hidden Valley Lake , California

In Hidden Valley Lake, a typical home is worth $394,800 and typical rent is $2,437 a month. Compared with all of Lake County, typical rent is 78% higher, typical household income is 39% higher, and the share of households that own their home is 16 points higher.

WhatsApp

  • Typical home value

    $394,800

    22% above the county

    46% below California

    • Hidden Valley Lake
    • Lake
    • California

  • Typical rent

    $2,437a month

    78% above the county

    20% above California

    • Hidden Valley Lake
    • Lake
    • California

  • Typical household income

    $84,152a year

    39% above the county

    15% below California

    • Hidden Valley Lake
    • Lake
    • California

  • Households that own their home

    88%

    16 points above the county

    33 points above California

    • Hidden Valley Lake
    • Lake
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$363,666
1.5% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hidden Valley Lake is in Lake County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lake County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hidden Valley Lake apart

What this place has that others do not, from public data, most unusual first.

  1. The typical rent in Hidden Valley Lake is $2,437 a month, 78% more than in Lake County as a whole ($1,368).

  2. Nearby, in Clearlake, the typical rent is $1,240: 49% less than in Hidden Valley Lake ($2,437).

  3. Nearby, in Clearlake, the typical home value is $214,200: 46% less than in Hidden Valley Lake ($394,800).

  4. The typical household income in Hidden Valley Lake is $84,152, 39% more than in Lake County as a whole ($60,621).

  5. Hidden Valley Lake has the 29th highest homeownership rate of the 652 cities in California with more than 5,000 people (88%).

  6. The typical home in Hidden Valley Lake is worth $394,800, 22% more than in Lake County as a whole ($324,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Hidden Valley Lake

What homes there are in Hidden Valley Lake, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 94% of homes here, against 70% in Lake County.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,296 a month

Lake County: $1,952 a month

Without a mortgage

$784 a month

Lake County: $680 a month

Owners with a mortgage

68%

Lake County: 53%

The typical cost for an owner with a mortgage in Hidden Valley Lake is $2,296 a month, more than in Lake County ($1,952); without one, $784.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Hidden Valley Lake rose 25%; in Lake County, it rose 48%.

The typical rent in Hidden Valley Lake rose 52% over the same time; in Lake County, it rose 40%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureHidden Valley LakeLake CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimate2.4%0.8%0.9%
More than one person per room Unreliable estimate5.0%8.2%3.4%
People per household 2.572.492.842.53
Drive alone 72%71%66%69%
Carpool Unreliable estimate10%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 16%14%17%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Hidden Valley Lake has 2.57 people on average, about the same as in Lake County (2.49).

To get to work, 72% of workers in Hidden Valley Lake drive alone; in Lake County, 71%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Hidden Valley Lake?

A typical home costs more than the typical income allows

We start with a typical home in Hidden Valley Lake, worth $394,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Hidden Valley Lake, which is $84,152 a year. For that payment to be 28% of income, a household would need to earn about $138,923 a year.

The calculator's FHA and conventional loan limits are those of all of Lake County.

Your numbers

Local data
$

Starts at the typical home value in Hidden Valley Lake. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,818 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,242

at 7.18% · 30 years

Loan amount
$387,649
Total interest
$557,736
Paid off in
November 2056

Includes $6,667 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,964 a month

  • Tight

    $1,964 to $2,525 a month

  • Hard

    more than $2,525 a month

    Your payment · 46%

Compared with the typical household income in Hidden Valley Lake ($84,152 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,242
Principal & interest$2,626
Property tax$276
Home insurance$165
FHA mortgage insurance (MIP)$175

You need at least $13,818 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Hidden Valley Lake and Lake County

Hidden Valley Lake is in Lake County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Hidden Valley Lake's own numbers

Typical home value
$394,800
Typical monthly rent
$2,437
Typical yearly household income
$84,152
Households that own their home
88%
Effective property tax rate
0.84%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lake County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,616
Price change over 5 years (FHFA)
+22%
Homes in a high flood-risk zone
15%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lake County.

Everything about Lake County

Buying

Buying a home in Hidden Valley Lake

A typical home in Hidden Valley Lake is worth $394,800: 22% above the county and 46% below California. With the typical household income in Hidden Valley Lake ($84,152 a year), a typical home costs 4.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Hidden Valley Lake 4.7 years
  • Lake 5.3 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lake County

According to FHFA’s house price index, home prices in Lake County rose 70% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lake County.

Period County California U.S.
Last year (2025) −1.2% +0.8% +2.9%
5 years (2020–2025) +22% +40% +47%
10 years (2015–2025) +70% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Hidden Valley Lake next to Lake County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Hidden Valley Lake $394,800
  • Lake $324,300
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Hidden Valley Lake $2,437
  • Lake $1,368
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Hidden Valley Lake $84,152
  • Lake $60,621
  • California $99,122
  • United States $80,734
See the full table
Hidden Valley Lake next to Lake County and California
Measure Hidden Valley Lake Lake County California U.S.
Typical home value $394,800 $324,300 $734,700 $332,700
Typical monthly rent $2,437 $1,368 $2,036 $1,413
Typical yearly household income $84,152 $60,621 $99,122 $80,734
Households that own their home 88% 72% 56% 65%
Typical yearly property tax $3,335 $2,369 $5,124 $3,119
Effective property tax rate 0.84% 0.73% 0.7% 0.94%
Renters with high rent for their income 64% 62% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lake County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Hidden Valley Lake

For a typical $394,800 home in Hidden Valley Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hidden Valley Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,242a month

    Least cash to close
    Down payment
    $13,818
    Cash to close
    $25,662
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $175

  • Conventional, 5% down $3,169a month

    Down payment
    $19,740
    Cash to close
    $31,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $188

  • Conventional, 20% down, no PMI $2,580a month

    Down payment
    $78,960
    Cash to close
    $90,804
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,945a month

    Down payment
    $59,220
    Cash to close
    $71,064
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Hidden Valley Lake and for Lake County.

Property tax

Effective rate in Hidden Valley Lake

0.84%of the home’s value each year

$3,335 a year for the typical owner in Hidden Valley Lake.

  • Hidden Valley Lake 0.84%
  • Lake 0.73%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Lake County

FEMA does not publish these numbers by city: they are for all of Lake County.

Homes in the high-risk zone
15%
5,319
Of those, with NFIP insurance
15%
County California U.S.
Homes in the high-risk zone 15% 2.8% 3.5%
Of those, with NFIP insurance 15% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hidden Valley Lake

Typical rent in Hidden Valley Lake is $2,437 a month: 78% above the county. In Hidden Valley Lake, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lake County, by unit size. To pay the 2-bedroom one ($1,616 a month) without spending more than 30% of your income, you would need to earn $31.08 an hour working full time.

HUD fair market rent for all of Lake County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,233 $23.71 $49,320
1 bedroom $1,235 $23.75 $49,400
2 bedrooms $1,616 $31.08 $64,640
3 bedrooms $2,238 $43.04 $89,520
4 bedrooms $2,701 $51.94 $108,040

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Hidden Valley Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hidden Valley Lake has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,420 in 95467 to $2,990 in 95461.

2 of the 2 are above the fair market rent for Lake County ($1,616).

  • 95461 $2,990$3,800
  • 95467 $2,420$3,350

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hidden Valley Lake when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Hidden Valley Lake

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Lake County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Hidden Valley Lake

No down payment, repair or rent-help program on our list is for Hidden Valley Lake or Lake County. The ones below are statewide in California: they work in Hidden Valley Lake the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Hidden Valley Lake

The HUD-approved agencies closest to the center of Hidden Valley Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Balance - Santa Rosa

    3033 Cleveland Ave, Santa Rosa · 25 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Fair Housing Advocates of Northern California

    851 Irwin St, San Rafael · 57 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (415) 457-5025

  • Richmond Neighborhood Housing Services, Inc

    3220 Blume Dr Ste 198, Richmond · 58 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    510-237-6459-1601

All counseling agencies in California

Help in Spanish near Hidden Valley Lake

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Hidden Valley Lake

HUD’s record names them for Hidden Valley Lake or Lake County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in California Source: HUD

Cities

Other cities in Lake County

These cities are also in Lake County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lake County Housing in California

Nearby cities

The cities closest to Hidden Valley Lake, with the typical home value.

Neighboring counties

If Lake County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Hidden Valley Lake.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Hidden Valley Lake

Short answers with the numbers for Hidden Valley Lake and all of Lake County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Hidden Valley Lake?

The typical home value in Hidden Valley Lake is $394,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lake County it is $324,300.

How much does it cost to rent in Hidden Valley Lake?

Typical rent in Hidden Valley Lake is $2,437 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lake County is $1,616.

What is the FHA loan limit in Hidden Valley Lake?

Hidden Valley Lake uses the FHA limit for all of Lake County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Hidden Valley Lake?

The typical homeowner in Hidden Valley Lake pays $3,335 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Lake County, the rate is 0.73%.

Where can I find free help to buy or rent in Hidden Valley Lake?

We found no HUD-approved counseling agencies with an office in Lake County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).