95423 ZIP Code — Clearlake Oaks, CA

Lake County, California

ZIP code 95423 is located in Clearlake Oaks, California, within Lake County. It covers approximately 122.43 square miles and serves a population of 3,322 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 707.

About ZIP code 95423

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $270,300. Owner-occupancy sits near the national average at 69%.

The gap between median ($42,648) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 22% of households reflects economic stress in the area. 54% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%; and disability rates above the national average at 28%.

Overall, ZIP code 95423 reflects a community defined by economic challenges above the national average, a strong veteran community, a significant Social Security-dependent population, and elevated reliance on food assistance.

3,322

population

122.43

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

95423 ZIP code map

Cities in ZIP code 95423

Below are the cities the US Postal Service accepts for ZIP code 95423. Using any city not on this list may result in mail delivery delays.

City	Status
Clearlake Oaks	Acceptable
Clearlake Oaks	Preferred

Nearby ZIP codes

95443 Glenhaven (9.2 mi) 95458 Lucerne (9.6 mi) 95464 Nice (11.2 mi) 95979 Stonyford (11.8 mi) 95422 Clearlake (12.4 mi) 95451 Kelseyville (15.8 mi) 95485 Upper Lake (16.3 mi) 95457 Lower Lake (18.3 mi) 95493 Witter Springs (18.6 mi) 95453 Lakeport (18.9 mi) 95987 Williams (19.6 mi)

Demographics updated 06/2026

Population
Total population	3,322
Population density	27 / sq mi
State FIPS	06
County FIPS	033

Geography
Land area	122.43 sq mi
Water area	2.23 sq mi
Latitude	39.1365
Longitude	-122.6329
Timezone	Pacific (PT)
Area code	707

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.0%	50.9%	32.6%
$50k – $100k	28.1%	27.6%	27.7%
$100k – $200k	16.6%	16.7%	26.4%
Over $200k	1.3%	4.8%	13.3%

Demographics & statistics

3,322

Population

People per sq mi

57.1

Median age

$42,648

Median household income

$42,871

Per capita income

$270,300

Median home value

$1,167

Median monthly rent

69.2%

Home ownership

21.7%

Poverty rate

11.0%

Unemployment

1,954

Housing units

22.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

100

15–19

104

20–24

25–34

149

35–44

155

189

45–54

197

131

55–59

137

153

60–64

159

345

65–74

358

162

75–84

168

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	507	15.3%
18 and over	2,815	84.7%
65 and over	1,153	34.7%
Median age	57.1 years

Race & ethnicity

White 72.1%

Hispanic or Latino 9.3%

Other race 7.8%

Two or more races 5.4%

American Indian / Alaska Native 2%

Asian 1.8%

Black or African American 1.6%

Group	Count	%
White	2,639	72.1%
Hispanic or Latino	339	9.3%
Other race	286	7.8%
Two or more races	198	5.4%
American Indian / Alaska Native	75	2%
Asian	65	1.8%
Black or African American	58	1.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.0%	50.9%	32.6%
$50k – $100k	28.1%	27.6%	27.7%
$100k – $200k	16.6%	16.7%	26.4%
Over $200k	1.3%	4.8%	13.3%

Under $10k 10.3%

$10k–$15k 7.0%

$15k–$25k 10.4%

$25k–$35k 13.8%

$35k–$50k 15.4%

$50k–$75k 14.4%

$75k–$100k 9.5%

$100k–$150k 7.9%

$150k–$200k 4.2%

$200k+ 7.1%

Range	% of households
Under $10k	10.3%
$10k–$15k	7.0%
$15k–$25k	10.4%
$25k–$35k	13.8%
$35k–$50k	15.4%
$50k–$75k	14.4%
$75k–$100k	9.5%
$100k–$150k	7.9%
$150k–$200k	4.2%
$200k+	7.1%
Median income	$42,648

Housing

Home values

Under $50k 6.4%

$50k–$100k 16.1%

$100k–$150k 5.0%

$150k–$200k 7.6%

$200k–$300k 24.2%

$300k–$500k 27.4%

$500k–$1M 13.2%

Housing overview

Metric	Value
Median home value	$270,300
Median rent / month	$1,167
Owner occupied	69.2%
Renter occupied	30.8%
Vacant	34.5%
Single-family detached	69.7%
Large apartment buildings	1.1%
Mobile homes	23.2%
Median rooms	4.9
Avg household size (owned)	1.84

Year built

Era	%
2020 or later	0.0%
2010–2019	2.3%
2000–2009	8.4%
1990–1999	16.4%
1980–1989	19.4%
1970–1979	24.7%
1960–1969	13.9%
1950–1959	10.7%
1940–1949	2.6%
1939 or earlier	1.6%

Bedrooms

Size	% of units
No bedroom (studio)	4.7%
1 bedroom	8.6%
2 bedrooms	48.5%
3 bedrooms	33.7%
4 bedrooms	4.4%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	41.9%
2 vehicles	38.0%
3 or more	18.1%

Heating fuel

Fuel type	%
Utility gas	10.5%
Electricity	41.1%
Propane / LP gas	18.7%
Fuel oil	7.2%
Wood	8.3%
Solar	4.7%
No fuel used	0.9%

Households & families

Household type	Count	%
Married-couple family	487	30.3%
Cohabiting couple	76	4.7%
Male householder, no spouse	469	29.2%
Female householder, no spouse	573	35.7%
Households with children under 18	244	15.2%
Households with seniors (65+)	937	58.4%
Average household size	2.04

Marital status

Status	Male	Female
Never married	28.4%	26.5%
Married	37.1%	34.8%
Separated	2.9%	2.7%
Widowed	3.6%	12.2%
Divorced	28.1%	23.9%

Education

Less than 9th grade 2.2%

Some HS, no diploma 7.8%

HS graduate 29.3%

Some college, no degree 29.4%

Associate's degree 8.6%

Bachelor's degree 12.4%

Graduate / professional 10.3%

Metric	%
HS diploma or higher	90.0%
Bachelor's or higher	22.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	24	4.4%
Kindergarten	77	14.1%
Elementary school	135	24.6%
High school	176	32.1%
College / grad school	136	24.8%

Employment

Industry of employment

Education & healthcare 23.5%

Construction 21.9%

Public administration 21.1%

Arts, food & hospitality 8.5%

Professional & management 7.9%

Retail trade 7.0%

Other services 5.4%

Agriculture & mining 1.8%

Wholesale trade 1.6%

Manufacturing 1.5%

Occupation

Category	%
Management, business & arts	29.6%
Service	40.4%
Sales & office	8.0%
Natural resources & construction	20.0%
Production & transportation	2.1%

Employment type

Type	%
Private sector	60.9%
Government	30.0%
Self-employed	9.2%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	66.8%
Carpool	3.2%
Public transit	5.9%
Walk	14.9%
Work from home	9.1%
Other means	0.0%
Avg commute (minutes)	28.4

Poverty

All people 21.7%

Under 18 years 53.2%

18 and over 16.2%

Married-couple families 8.2%

Female-led households 47.4%

Income support

Source	% of households
Social Security	53.5%
Retirement income	43.1%
Supplemental Security	9.7%
Cash public assistance	1.3%
Food stamps / SNAP	22.3%

Health indicators

Condition	%
Obesity	30.9%
High blood pressure	39.3%
High cholesterol	39.3%
Diabetes	13.5%
Heart disease	9.9%
Stroke	4.6%
Asthma	10.6%
Arthritis	33.4%
Kidney disease	4.1%
Pulmonary disease	10.5%
Cancer	9.5%

Behavior / access	%
Smoking	15.2%
Binge drinking	15.3%
No physical activity	23.5%
Less than 7 hrs sleep	29.8%
Depression	19.5%
Fair or poor health	18.6%
Poor mental health	14.2%
Poor physical health	13.8%
No health insurance	9.5%
Visited doctor (checkup)	72.2%
Visited dentist	65.4%
Cholesterol screening	93.5%
Teeth loss	14.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	359	12.8%

Disability	%
Any disability	27.5%
Under 18	0.0%
18–64 years	22.0%
65 and over	47.6%

Health insurance coverage

Type	%
Private insurance	40.4%
Public insurance	76.1%
No insurance	6.4%
Uninsured under 19	3.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,199	96.3%
Spanish	256	8.0%
Other Indo-European	60	1.9%
Asian & Pacific Islander	185	5.8%
Other languages	11	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,801	84.3%
Born in same state	2,692	81.0%
Born in different state	1,949	58.7%
Foreign born	109	3.3%
Naturalized citizen	521	15.7%
Not a US citizen	218	41.8%

Ancestry

Ancestry	Count	%
Italian	284	8.5%
French	209	6.3%
Arab	86	2.6%
English	36	1.1%

Ancestry	Count	%
Dutch	34	1%
Polish	24	0.7%
Irish	4	0.1%
German	3	0.1%

Technology access

Metric	% of households
Computer access	48.3%
Internet access	84.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 95423

What city is ZIP code 95423 in?

ZIP code 95423 is primarily assigned to Clearlake Oaks, California.

What county is ZIP code 95423 in?

ZIP code 95423 falls within Lake County, California.

Does ZIP code 95423 have an older population?

35% of residents in ZIP code 95423 are 65 or older, above the national average of ~17%.

Does ZIP code 95423 have a large retiree population?

54% of households in ZIP code 95423 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 95423?

22% of residents in ZIP code 95423 live below the poverty line, above the national average.

Does ZIP code 95423 have a large veteran population?

13% of civilians in ZIP code 95423 are veterans, above the national average of ~7%.

What timezone is ZIP code 95423 in?

ZIP code 95423 observes the PST timezone.