The story of this market
The typical home in Lake County, Oregon sells for about $249,450, or $144 per square foot.
Prices are down 13.69% from a year ago, which gives buyers more room to negotiate. Homes take about 53 days to sell. Over the long run, values in this county have grown 201% since 2000. The biggest natural hazard here is winter weather, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $1,062 a month.
HUD sets the fair market rent for a 2-bedroom at $1,062 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
+1.5%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+18.2%). Worst: 2010 (-11.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+0.3%
OR · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,471
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+1.5%
2025 change
FHFA repeat-sales index, median of 1 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
87
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $6,012,238.
Mortgage activity
Home lending in this county
72.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 266 | 129 | 72.5% | 10.6% | $140,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Lake County, Oregon
The Lake County housing market is currently characterized by low inventory and a slow pace of sales, reflecting its rural, high-desert nature. Prices have seen a slight year-over-year decline, and the market is currently favoring buyers due to limited demand. Economic activity remains tied to traditional sectors like agriculture and government services.
8 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 4 cities · 4 ZIP reports
Median prices moved down 19.6% year over year.
Homes spend a median of 111 days on market with 0.0 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 0.12% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 14.8% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 4 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Lake County, Oregon — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Oct 5
researched Sep 26
researched Sep 26
researched Sep 26
| 97630 | Lakeview | $231,500 | $200 | -19.6% | 111 | — | — | — | 72 | $1,062 | researched Oct 5 |
| 97636 | Paisley | $325,000 | $215 | +2.4% | 112 | 96.5% | 12% | 7 | 14 | $1,150 | researched Sep 26 |
| 97638 | Silver Lake | $325,000 | $215 | +2.4% | 105 | 96% | 12% | 15.5 | 31 | $1,250 | researched Sep 26 |
| 97641 | Christmas Valley | $225,000 | $165 | +2.4% | 112 | 96.5% | 12% | 14.2 | 48 | $1,150 | researched Sep 26 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The region faces significant wildfire risk characteristic of the high desert environment, impacting insurance availability and premiums.
The economy is primarily driven by agriculture, timber, and government services with limited large-scale industrial development.
Property taxes are assessed by the Lake County Assessor based on real market value; the county operates under Oregon's constitutional tax limitations (Measures 5 and 50).
The county features extensive outdoor recreation including Hart Mountain National Antelope Refuge, Summer Lake, and various high desert trails.
Rental supply is extremely limited with very few active listings reported.
The economy is anchored by agriculture, livestock production, and public sector employment.
Transportation is primarily served by US Highway 395 and Oregon Route 140, with limited public transit infrastructure.
The Lake County Assessor maintains property valuations based on annual market analysis and state-mandated assessment cycles.
Parcels are subject to various special districts including rural fire protection, water control, and local school districts.
Property insurance markets are tightening due to increased wildfire risk exposure across the high desert region.
- Fremont National Forest4.614.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A vast protected area offering unique wildlife viewing and rugged high desert landscapes.
A significant wetland area popular for birdwatching and outdoor recreation.
The county seat features historic architecture and local services serving the surrounding rural population.
Data retrieved from US Census Bureau QuickFacts and ACS profiles.
applies when — Members of the Oregon National Guard or Reserve who are deployed.
Allows for the exemption of a portion of the assessed value of a primary residence from local property taxes for a period of three to five years in standard zones, or up to 15 years in rural zones.
Business Oregon Enterprise Zone statutes
applies when — Qualified disabled veterans or their surviving spouses meeting specific disability or service-connected criteria.
Provides a reduction in the assessed value of the primary residence, effectively lowering the property tax burden based on the exemption amount set by statute.
ORS 307.250
applies when — Delinquency of property taxes for a period of three years from the earliest date of delinquency.
The county may initiate foreclosure proceedings to seize the property to satisfy the tax lien. Owners have redemption rights prior to the judgment of foreclosure.
ORS 312.010
Tax is calculated on the lesser of Real Market Value (RMV) or Maximum Assessed Value (MAV). MAV is limited to a 3% annual growth rate unless physical changes occur to the property. The tax is the product of the taxable assessed value and the local taxing district's millage rate.
Oregon Constitution; ORS Chapter 308
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.