Clearlake Oaks, CA · standard

ZIP Code 95423

Lake County, California — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

3,747
14/sq mi
$41,143
Median income
$293,600
Median home value
19.2%
Bachelor's or higher

The verdict

Clearlake Oaks pairs one of the lowest household incomes in the country with above-median home values, in a rural, homeowner-dominated area.

6th pct
household income, US ZIPs
Top 34%
home value, US ZIPs
14
people per sq mi
73%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95423 against every reporting US ZIP.

ZIP code 95423 is classified by USPS as a standard delivery area and covers roughly 265.7 square miles in Clearlake Oaks, Lake County, California. The area is home to 3,747 residents, producing a population density of 14 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 95423 against California and the nation.

On the economic side, the median household income for ZIP 95423 sits at $41,143 (60% below the California average), while per-capita income is $48,709. The poverty rate stands at 21.9% and the unemployment rate at 12.9%. On housing, the median home value is $293,600 (62% below the state average) with median rent at $1,430 per month, and 72.8% of occupied units are owner-occupied, a direct signal of whether 95423 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 19.2% of adults hold a bachelor's degree or higher, the median age is 60.4, and the average commute is . We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Lake County, so you can benchmark 95423 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 95423

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 95423.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 95423, Clearlake Oaks, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

3,747

Population

265.7

Area (sq mi)

14

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 95423?

60.4

Median Age

49.8%

Male

50.2%

Female

8.0%

Foreign-Born

White 75.4%
African American 1.2%
Asian 0.6%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.3%
Hispanic or Latino 13.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$41,143

Median Household Income

-60% vs state

$48,709

Per Capita Income

21.9%

Poverty Rate

12.9%

Unemployment Rate

How ZIP 95423 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$41,143 6th percentile higher than 6% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.4%
Bachelor's Degree or Higher 19.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

2,464

Total Housing Units

1,708

Occupied Units

756

Vacant Units

2.00

Avg Household Size

Occupancy Type

Owner 72.8%
Renter 27.2%

$293,600

Median Home Value

-62% vs state

$1,430

Median Rent

1978

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+18.8%

YoY Change (2024)

294

HPI Index (2000 = 100)

+194%

Total Change Since 2000

Home values in ZIP 95423 have increased 18.8% over the past year (2024). Since 2000, this ZIP has seen +194% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.1% 215
2021 +8.1% 232
2022 +18.3% 274
2023 -9.7% 248
2024 +18.8% 294

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 33 business establishments in ZIP 95423, employing approximately 276 people with a combined annual payroll of $12,989,000.

33

Businesses

276

Employees

$13.0M

Annual Payroll

5

Industry Sectors

Industry Establishments % of Total
Accommodation and food services 7 21.2%
Retail trade 6 18.2%
Manufacturing 4 12.1%
Construction 3 9.1%
Health care and social assistance 3 9.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 95423 vs 95422 →

ZIP 95423 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 95423 ranks #2 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 95423 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 95423 ranks #3 of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
95422 Clearlake, CA 15,585 6.1 mi
95443 Glenhaven, CA 233 6.1 mi
95458 Lucerne, CA 3,104 8.7 mi

More ZIP Codes in Lake County

Frequently Asked Questions

What county is ZIP code 95423 in?
ZIP code 95423 (Clearlake Oaks) is located in Lake County, California. Lake County contains multiple ZIP codes, see the full list at /counties/lake-ca.
What is the population of ZIP code 95423?
ZIP code 95423 in Clearlake Oaks, CA has a population of 3,747 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95423?
The median household income in ZIP 95423 is $41,143, which is 46% below the national average of $76,288.
What is the average home value in ZIP 95423?
The median home value in ZIP 95423 is $293,600, which is 6% above the national average of $278,155.
What is the demographic makeup of ZIP 95423?
The largest racial group in ZIP 95423 is White at 75.4%. Hispanic or Latino residents make up 13.8% of the population.
How many businesses are in ZIP code 95423?
ZIP code 95423 has 33 business establishments employing approximately 276 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95423?
The top industries by establishment count in ZIP 95423 are: Accommodation and food services (7), Retail trade (6), Manufacturing (4). There are 5 industry sectors represented in total.
How have home values changed in ZIP code 95423?
According to the FHFA House Price Index, home values in ZIP 95423 increased by 18.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 194%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95423?
In ZIP code 95423, 54.4% of residents aged 25+ have a high school diploma or higher, and 19.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 95423?
In ZIP code 95423, approximately 72.8% of occupied housing units are owner-occupied and 27.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95423?
The poverty rate in ZIP code 95423 is 21.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Clearlake Oaks, CA

Verify and explore additional data for this area using these official government sources.