In Lakeport, a typical home is worth $333,800 and typical rent is $1,063 a month. Compared with all of Lake County, typical rent is 22% lower and typical household income is 13% higher.
Typical home value from Zillow, September 2021 to September 2026: from $388,379 to $354,161.
Typical rent
$1,672a month
Typical rent from Zillow, June 2026 to September 2026: from $1,566 to $1,672.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lakeport 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
What this place has that others do not, from public data, most unusual first.
1
Lakeport has the 21st lowest typical rent of the 648 cities in California with more than 5,000 people ($1,063).
2
Nearby, in Clearlake, the typical home value is $214,200: 36% less than in Lakeport ($333,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lakeport
What homes there are in Lakeport, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Lakeport
Lake County
California
United States
Kind of home: Lakeport and its comparisons
Measure
Lakeport
Lake County
California
United States
Detached house
64%
70%
57%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
8%
8%
Apartments (5 or more)
Unreliable estimate
5%
24%
19%
Mobile home
16%
20%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Lakeport (64%), but less so than in Lake County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lakeport
Lake County
California
United States
Year built: Lakeport and its comparisons
Measure
Lakeport
Lake County
California
United States
Before 1960
24%
15%
27%
26%
1960–1979
36%
35%
29%
24%
1980–1999
24%
29%
25%
25%
2000–2009
Unreliable estimate
15%
11%
14%
2010 or later
9%
5%
8%
11%
Homes in Lakeport are older: the typical year built is 1976; in Lake County, 1980.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K25%
$300K–$500K41%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lakeport and its comparisons
Measure
Lakeport
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
25%
$300K–$500K
41%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lakeport and its comparisons
Measure
Lakeport
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,969 a month
Lake County: $1,952 a month
Without a mortgage
$717 a month
Lake County: $680 a month
Owners with a mortgage
53%
Lake County: 53%
In Lakeport, 53% of owners have a mortgage; their typical cost is $1,969 a month, about the same as in Lake County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lakeport+30%
Lake County+48%
California+46%
United States+53%
Typical rent
LakeportNo clear change
Lake County+40%
California+36%
United States+33%
Typical household income
LakeportNo clear change
Lake County+29%
California+32%
United States+29%
Change since 2015–2019: Lakeport and its comparisons
Measure
Lakeport
Lake County
California
United States
Typical home value
+30%
+48%
+46%
+53%
Typical rent
No clear change
+40%
+36%
+33%
Typical household income
No clear change
+29%
+32%
+29%
Homes in Lakeport gained value more slowly than in Lake County: 30% since 2015–2019, against 48%.
The typical rent in Lakeport stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lakeport and its comparisons
Measure
Lakeport
Lake County
California
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
2.4%
0.8%
0.9%
More than one person per room
Unreliable estimate
5.0%
8.2%
3.4%
People per household
2.41
2.49
2.84
2.53
Drive alone
66%
71%
66%
69%
Carpool
Unreliable estimate
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
Unreliable estimate
14%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Lakeport has 2.41 people on average, about the same as in Lake County (2.49).
To get to work, 66% of workers in Lakeport drive alone; in Lake County, 71%.
Do the math
What would you pay each month for a home in Lakeport?
A typical home costs more than the typical income allows
We start with a typical home in Lakeport, worth $333,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Lakeport, which is $68,518 a year. For that payment to be 28% of income, a household would need to earn about $117,459 a year.
The calculator's FHA and conventional loan limits are those of all of Lake County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Lakeport. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,683 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,741
at 7.18% · 30 years
Loan amount
$327,754
Total interest
$471,561
Paid off in
November 2056
Includes $5,637 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,599 a month
Tight
$1,599 to $2,056 a month
Hard
more than $2,056 a month
Your payment · 48%
Compared with the typical household income in Lakeport ($68,518 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,220
Property tax
$234
Home insurance
$139
FHA mortgage insurance (MIP)
$148
You need at least $11,683 for the down payment, plus closing costs.
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.
Total monthly payment $2,741; principal and interest $2,220.
The city and its county
Lakeport and Lake County
Lakeport 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).
Lakeport
Map of Lake County, California, with Lakeport marked. Around it, the neighboring counties.
Lakeport
Lake County
Other cities with a page
Lakeport's own numbers
Typical home value
$333,800
Typical monthly rent
$1,063
Typical yearly household income
$68,518
Households that own their home
76%
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.
A typical home in Lakeport is worth $333,800: 3% above the county and 55% below California. With the typical household income in Lakeport ($68,518 a year), a typical home costs 4.9 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.
Lakeport4.9 years
Lake5.3 years
California7.4 years
United States4.1 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.
Yearly change in FHFA’s price index in Lake County, 2016 to 2025
2016: +11.6% +11.6% 2016
2017: +9.0% +9.0% 2017
2018: +8.2% +8.2% 2018
2019: +2.2% +2.2% 2019
2020: +3.9% +3.9% 2020
2021: +12.8% +12.8% 2021
2022: +9.0% +9.0% 2022
2023: +0.4% +0.4% 2023
2024: −0.2% −0.2% 2024
2025: −1.2% −1.2% 2025
Change in FHFA’s price index in Lake County, California and the United States
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
Lakeport 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
Lakeport$333,800
Lake$324,300
California$734,700
United States$332,700
Typical monthly rent
Lakeport$1,063
Lake$1,368
California$2,036
United States$1,413
Typical yearly household income
Lakeport$68,518
Lake$60,621
California$99,122
United States$80,734
See the full table
Lakeport next to Lake County and California
Measure
Lakeport
Lake County
California
U.S.
Typical home value
$333,800 ▲3% above the county
$324,300
$734,700
$332,700
Typical monthly rent
$1,063 ▼22% below the county
$1,368
$2,036
$1,413
Typical yearly household income
$68,518 ▲13% above the county
$60,621
$99,122
$80,734
Households that own their home
76% ▲4 points above the county
72%
56%
65%
Typical yearly property tax
$2,806 ▲18% above the county
$2,369
$5,124
$3,119
Effective property tax rate
0.84% ▲0.11 points above the county
0.73%
0.7%
0.94%
Renters with high rent for their income
58% ▼4 points below the county
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 Lakeport
For a typical $333,800 home in Lakeport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lakeport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,741a month
Least cash to close
Down payment
$11,683
Cash to close
$21,697
Rate
7.18%
Mortgage insurance
FHA MIP · $148
Conventional, 5% down$2,680a month
Down payment
$16,690
Cash to close
$26,704
Rate
7.18%
Mortgage insurance
PMI · $159
Conventional, 20% down, no PMI$2,182a month
Down payment
$66,760
Cash to close
$76,774
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,490a month
Down payment
$50,070
Cash to close
$60,084
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lakeport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,741
$11,683
$327,754
7.18%
FHA MIP · $148
$21,697
580
Conventional, 5% down
$2,680
$16,690
$317,110
7.18%
PMI · $159
$26,704
620*
Conventional, 20% down, no PMI
$2,182
$66,760
$267,040
7.18%
None
$76,774
620*
ITIN, 15% down (example)
$2,490
$50,070
$283,730
8.18%
None
$60,084
Set by the lender
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.
Typical rent in Lakeport is $1,063 a month: 22% below the county. In Lakeport, 58% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lake County (Fiscal year 2027)
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 Lakeport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lakeport is in ZIP code 95453.
For 2 bedrooms it is $1,460: $156 less than the fair market rent for Lake County ($1,616).
Fair market rent by ZIP code and size in Lakeport, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95453
$1,110
$1,120
$1,460
$2,020
$2,440
ZIP code2 bd3 bd
95453 $1,460$2,020
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lakeport 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Lakeport or Lake County. The ones below are statewide in California: they work in Lakeport the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Lakeport or Lake County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Lakeport 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 Lakeport?
The typical home value in Lakeport is $333,800, 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 Lakeport?
Typical rent in Lakeport is $1,063 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 Lakeport?
Lakeport 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 Lakeport?
The typical homeowner in Lakeport pays $2,806 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 Lakeport?
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.
