Lucerne, CA — City Data, Demographics & Statistics
Lake County · California
City DNA
A unique fingerprint for Lucerne based on 8 key metrics — compared to averages.
Quick Stats
Population
3,156
2023 ACS
Median Income
$47,460
2023
Median Home Value
$234,400
2023
Median Rent
$1,368
2023
Median Age
40.7
Unemployment
8.6%
Cost of Living Index
99.6
100 = national avg
Lucerne is a city in Lake County, California, with a population of 3,156 according to the 2023 American Community Survey. Lucerne is one of the communities in California.
The median household income in Lucerne is $47,460, and the median home value is $234,400. The cost of living index is 99.6 (where 100 = national average), and the median rent is $1,368 per month. The unemployment rate is 8.6%, and the median age is 40.7 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
3,156
Male
1,715
54.3%
Female
1,441
45.7%
Median Age
40.7
Age Distribution
Education & Household
Bachelor's or Higher
4.9%
High School or Higher
33.8%
Foreign Born
2.8%
Veterans
9.6%
Married
25.8%
Avg Household Size
2.3
Marital Status by Age
Race & Ethnicity
Diversity Index
0.435
Simpson's Index (0-1)
Largest Group
White
72.3%
Foreign Born
2.8%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
14.2%
448 people
Not Hispanic/Latino
85.8%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Native Hawaiian & Pacific Islander Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
3,070
English Only
94.0%
#1 Non-English Language
Spanish
154 speakers
Limited English
1.8%
Language Distribution
English Proficiency
Speaks English Very Well
98.2%
Limited English Proficiency
1.8%
Veterans & Military
Total Veterans
304
9.6% of population
Disability Rate
39.8%
121 with disability
Period of Service
Veteran Age Distribution
Male Veterans
236
77.6%
Female Veterans
68
22.4%
Disability Status
With Disability
121
Without Disability
183
Disability Rate
39.8%
Ancestry & Heritage
Total Reporting Ancestry
2,112
#1 Ancestry
Irish
23.2% (732)
#2 Ancestry
German
14.2% (447)
#3 Ancestry
English
6.5% (206)
Top 17 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
1,371
Family Households
639
46.6%
Married Couples
343
25.0%
Non-Family Households
732
53.4%
Single Mother Households
246
17.9%
Single Father Households
50
3.6%
Living Alone
564
41.1%
Children Under 18
Total Children
360
In Married Couple
115
31.9%
With Single Mother
178
49.4%
With Single Father
67
18.6%
Family Income
Median Family Income
$49,221
Married Couple Income
$57,083
Single Mother Income
$41,974
Avg Family Size
2.3
Avg Non-Family Size
2.1
Grandparents w/ Grandchildren
121
Grandparents Responsible
121
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$47,460
-35% vs national
Per Capita Income
$24,273
-35% vs national
Poverty Rate
17.5%
+29% vs national
Gini Index
0.4207
0 = perfect equality
Unemployment
8.6%
+65% vs national
SNAP Recipients
26.8%
of households
How Lucerne Compares
Lucerne vs Similar Cities
Compared to cities with under 10,000 residents. Lucerne is highlighted.
Median Household Income
Lucerne, CA has a median household income of $47,460, making it the 22,526th highest median household income out of 28,123 cities in our database. This means that Lucerne has a higher median household income than 20% of all the cities we measured.
Per Capita Income
Lucerne, CA has a per capita income of $24,273, making it the 23,026th highest per capita income out of 28,123 cities in our database. This means that Lucerne has a higher per capita income than 18% of all the cities we measured.
Poverty Rate
Lucerne, CA has a poverty rate of 17.5%, making it the 8,890th highest poverty rate out of 31,262 cities in our database. This means that Lucerne has a higher poverty rate than 72% of all the cities we measured.
Unemployment Rate
Lucerne, CA has a unemployment rate of 8.6%, making it the 5,258th highest unemployment rate out of 31,012 cities in our database. This means that Lucerne has a higher unemployment rate than 83% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Lucerne. The median household income here is $47,460.
Income Distribution
Employment Snapshot
Unemployment Rate
8.6%
+13% vs CA avg
Labor Force
1,387
Employed
1,268
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
4.9%
of adults 25+
High School Diploma+
33.8%
of adults 25+
Median Age
40.7
Work from Home
15.7%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the California metro area
Highest-Paying Job
Software Developers
Top Median Wage
$170.9K
per year
Occupations Tracked
20
Cost of Living
Overall Index
99.6
100 = national avg
-0.4 vs national average
Living Wage (1 Adult)
$43,819
per year
Living Wage (Family of 4)
$103,573
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$1,181
per month
2 Bedroom
$1,549
per month
The median household income in Lucerne, CA is $47,460, which is 35.2% below the national average of $73,224. Per capita income is $24,273. The poverty rate of 17.5% is higher than the CA state average of 13.0%. The Gini index of income inequality is 0.4207, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 8.6%, compared to the state average of 7.6%. The labor force is 1,387. 4.9% of adults hold a bachelor's degree or higher. About 64.8% of workers drive alone to work. The overall cost of living index is 99.6, which is 0.4% below the national average. Housing costs are above the national average at an index of 131.9. A single adult needs to earn approximately $43,819 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin — January 2026
Median Sale Price
$319,000
Median List Price
$157,500
Price Per Sq Ft
$195
Days on Market
65
Active Inventory
19
Months of Supply
9.5
Buyer's market
Zillow Home Value
$238,788
ZHVI — January 2026
Market CompetitivenessRedfin
Sold Above List
50.0%
Off Market in 2 Weeks
100.0%
Sale-to-List Ratio
98.8%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
2
New Listings
4
Pending Sales
2
Price Per Square FootRedfin
Median Sale $/SF
$195
Median List $/SF
$190
Lucerne vs Similar CitiesCensus ACS / Redfin
Compared to cities with under 10,000 residents. Lucerne is highlighted.
Median Home Value
Lucerne, CA has a median home value of $234,400, making it the 10,041st highest median home value out of 27,993 cities in our database. This means that Lucerne has a higher median home value than 64% of all the cities we measured.
Median Rent
Lucerne, CA has a median rent of $1,368, making it the 5,053rd highest median rent out of 22,337 cities in our database. This means that Lucerne has a higher median rent than 77% of all the cities we measured.
Median Price Per Sq Ft
Lucerne, CA has a price per square foot of $195, making it the 8,459th highest price per square foot out of 20,748 cities in our database. This means that Lucerne has a higher price per square foot than 59% of all the cities we measured.
Rent Burden
Lucerne, CA has a rent burden of 34.6%, making it the 580th highest rent burden out of 21,928 cities in our database. This means that Lucerne has a higher rent burden than 97% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$234,400
Median Rent
$1,368
Total Housing Units
1,984
Vacancy Rate
30.9%
Owner Occupied
70.9%
Renter Occupied
29.1%
Median Property Tax
$1,347
per year
Monthly Cost (w/ Mortgage)
$860
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$1,347
per year
Effective Tax Rate
0.57%
of home value
Median Home Value
$234,400
Estimated Mean Tax
$1,447
The effective property tax rate is calculated by dividing the median annual property tax ($1,347) by the median home value ($234,400). In Lucerne, CA, this works out to an effective rate of 0.57%. This is below the national average of approximately 1.1%.
The current median sale price in Lucerne, CA is $319,000 according to Redfin data. Homes spend a median of 65 days on the market. 50.0% of homes sold above asking price. The market has 9.5 months of supply. The median price per square foot is $195. The median rent is $1,368 per month (Census ACS). About 70.9% of housing units are owner-occupied. The median year homes were built is 1972. There are 1,984 total housing units. Homeowners pay a median annual property tax of $1,347. The effective tax rate is 0.57%, below the national average.
Crime data is not yet available for Lucerne. The FBI UCR/NIBRS program does not cover all jurisdictions.
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
93.0
Relatively Moderate
Expected Annual Loss
90.7
Score (0-100)
Social Vulnerability
70.6
Score (0-100)
Community Resilience
24.5
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
35
Public Assistance
$30.5M
Individual Assistance
$1.6M
Most Common Type
Fire
15 declarations
Public Assistance by Category
| Disaster | Type | Date | PA $ | IA $ |
|---|---|---|---|---|
| Boyles Fire → | Fire | Sep 2024 | — | — |
| Severe Winter Storms, Straight-line Wind… → | Severe Storm | Apr 2023 | $173K | — |
| Severe Winter Storms, Flooding, Landslid… → | Flood | Mar 2023 | — | — |
| Severe Winter Storms, Flooding, and Muds… → | Flood | Jan 2023 | — | — |
| Wildfires → | Fire | Sep 2021 | $227K | — |
| Wildfires → | Fire | Aug 2020 | $635K | $8K |
| Lnu Lightning Fire Complex → | Fire | Aug 2020 | — | — |
| Covid-19 Pandemic → | Biological | Mar 2020 | $3.4M | $68K |
| Covid-19 → | Biological | Mar 2020 | — | — |
| Severe Winter Storms, Flooding, Landslid… → | Severe Storm | May 2019 | $1.8M | — |
| Wildfires and High Winds → | Fire | Aug 2018 | $2.3M | $772K |
| Mendocino Fire Complex → | Fire | Jul 2018 | — | — |
| Pawnee Fire → | Fire | Jun 2018 | — | — |
| Wildfires → | Fire | Oct 2017 | $315K | $700K |
| Sulphur Fire → | Fire | Oct 2017 | — | — |
| Severe Winter Storms, Flooding, and Muds… → | Flood | Apr 2017 | $4.0M | — |
| Severe Winter Storms, Flooding, and Muds… → | Severe Storm | Feb 2017 | $1.3M | — |
| Clayton Fire → | Fire | Aug 2016 | — | — |
| Valley Fire and Butte Fire → | Fire | Sep 2015 | $11.2M | $54K |
| Valley Fire → | Fire | Sep 2015 | — | — |
Showing 20 of 37 disasters
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
1,432
Total Claims Paid
$14,228,115
Avg Claim Payout
$9,936
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
20
Federal Funding
$5,283,838
Properties Protected
23
Avg Benefit-Cost Ratio
6.71
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 403.1: Stormwater Management - Culverts | 6 | $1,365,272 |
| 205.2: Retrofitting Public Structures - Wildfire | 3 | $2,656,153 |
| 91.2: Local Multihazard Mitigation Plan - NEW | 3 | $271,017 |
| 91.3: Local Multihazard Mitigation Plan - UPDATE | 2 | $147,304 |
| 601.1: Generators | 2 | $332,768 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Lucerne has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are wildfire, landslide, earthquake. The area has had 35 federal disaster declarations. The most common disaster type is fire (15 declarations). 1,432 flood insurance claims have been filed in the area. FEMA has obligated $30,547,068 in public assistance recovery funding. $1,645,661 has been distributed in individual assistance to disaster-affected residents. 20 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
33.4%
2.7pp below the national average
Depression Rate
25.0%
1.5pp above the national average
Diabetes Rate
14.3%
2.4pp above the national average
Uninsured Rate
9.4%
1.2pp below the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
38.9%
Arthritis
29.8%
Cancer (excl. skin)
9.4%
Teeth Lost (65+)
11.3%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
19.4%
14+ days in past month
Depression
25.0%
Loneliness
35.7%
Lack of Support
26.7%
Disability Prevalence
Any Disability
38.2%
Mobility
19.7%
Cognitive
17.8%
Hearing
8.9%
Vision
6.8%
Self-Care
5.5%
Independent Living
11.1%
Health-Related Social Needs
Prevalence of social risk factors affecting community health
Lucerne has an obesity rate of 33.4%, which is 2.7pp below the national average. The depression rate is 25.0%, 1.5pp above the national average. About 9.4% of adults lack health insurance. 73.3% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
5
Avg CMS Rating
3.5 / 5
Nearest Hospital
8.4 mi
Adventist Health Clearlake
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Adventist Health Clearlake | 8.4 mi | Critical Access Hospitals | 1/5 | Yes |
| Sutter Lakeside Hospital | 9.2 mi | Critical Access Hospitals | 5/5 | Yes |
| Adventist Health Ukiah Valley | 26.9 mi | Acute Care Hospitals | 4/5 | Yes |
| Healdsburg Hospital | 30.6 mi | Critical Access Hospitals | — | Yes |
| Sutter Santa Rosa Regional Hospital | 38.2 mi | Acute Care Hospitals | 4/5 | Yes |
Infrastructure
Commute Overview2023 ACS
Drive Alone
64.8%
-18% vs national
Work From Home
15.7%
+69% vs national
Carpool
18.4%
How Lucerne's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
Commute data for Lucerne, CA covers travel times and transportation modes. 64.8% of workers drive alone, compared to the national average of 78.7%. 15.7% work from home, which is above the CA state average of 14.0%. 18.4% of workers carpool.
Internet & Broadband Access
Source: Census ACSBroadband Access
82.3%
of households
Cable / Fiber / DSL
48.9%
of households
No Internet
15.0%
of households
Total Households
1,371
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
89.6%
of households
Smartphone
81.5%
of households
Desktop / Laptop
60.9%
of households
Tablet
54.3%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
32.0¢
per kWh
+68% vs Under 10,000 avg
Commercial Rate
25.5¢
per kWh
+65% vs Under 10,000 avg
Industrial Rate
21.5¢
per kWh
+81% vs Under 10,000 avg
Avg Monthly Bill
$161
residential
+10% vs Under 10,000 avg
87% above the national average of 17.1¢/kWh
Residential electricity in California averages 32.0¢ per kWh, compared to the national average of 17.1¢. The average monthly electric bill is $161. State-level averages from EIA Electric Sales & Revenue data (2024).
Lucerne vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (Under 10,000). Each city represents its state's average rate.
Residential Rate (¢/kWh)
Commercial Rate (¢/kWh)
Industrial Rate (¢/kWh)
Average Monthly Bill
82.3% of households in Lucerne have broadband internet access. 48.9% have cable, fiber, or DSL service. 24.2% rely solely on cellular data without a wired connection. 15.0% of households have no internet access. 16.1% use only a smartphone without a desktop or laptop.
Politics & Government
County-level data: Election results are reported at the county level. Lucerne is located in Lake County, CA. Results reflect all voters in the county, not just those in Lucerne.
Election Overview
Source: Lake County (2024)2024 Winner
Republican
Dem Votes
12,794
47.8%
GOP Votes
13,161
49.2%
Total Votes
26,759
Margin
R+1.4%
Shift from 2020
R+7.7pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 12,794 | 13,161 | 26,759 | 47.8% | 49.2% | R+1.4 |
| 2020 | 14,941 | 13,123 | 28,800 | 51.9% | 45.6% | D+6.3 |
| 2016 | 6,240 | 5,752 | 13,045 | 47.8% | 44.1% | D+3.7 |
In the 2024 presidential election, Lake County recorded 26,759 total votes. Republicans won the county with 49.2% of the vote compared to 47.8% for Democrats, a margin of R+1.4%. Compared to 2020, the margin shifted R+7.7pp from the previous election. Since 2016, Lake County has shifted 5.1 percentage points toward Republicans.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
8
Total Assets
$3.2M
Total Income
$4.1M
Per 10K Residents
25.3
nonprofits
-86.7% vs peers avg
Orgs with >$1M Assets
1
Median Assets
$758K
Oldest Active
1941
ruling year
Newest Org
2024
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationNonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population Under 10,000
Largest Nonprofits in Lucerne
Source: IRS Exempt Organizations BMF| Organization | Category | Assets | Income | Est. | IRS |
|---|---|---|---|---|---|
| HILLTOP RECOVERY SERVICES | Mental Health | $2.4M | $4.0M | 2007 | |
| LUCERNE ALPINE SENIORS INC | — | $758K | $161K | 1982 | |
| LUCERNE AREA REVITALIZATION ASSOCIATION | Community Improvement | $64K | $28K | 2019 |
Lucerne, CA has 8 registered 501(c)(3) nonprofit organizations with combined assets of $3.2M. The most common category is Religion-Related, with 2 organizations. 1 nonprofits have assets exceeding $1 million. That works out to 25.3 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1941.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
6
Total Approved
$2.4M
Jobs Supported
21
Per 10K Residents
19.0
SBA loans
-87.9% vs peers avg
Unique Lenders
3
Top Lender
Heritage Bank of Commerce
2 loans
Top Industry
Accommodation & Food Services
Data Span
2003–2008
Loan Program Breakdown
Source: SBA FOIALoans
5
Total Amount
$1.9M
Avg Loan
$378,900
Median Loan
$382,500
SBA Guaranteed
$1.4M(76%)
Jobs Supported
11
Loans
1
Total Amount
$484K
Avg Loan
$484,000
Median Loan
$484,000
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population Under 10,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Lake Place Resort | 1 | $697K |
| Lake Place Resort Llc | 1 | $680K |
| Lucerne Pharmacy | 2 | $609K |
| Starlite Motel | 1 | $383K |
| 0-3 Oxygen Solutions | 1 | $10K |
Lucerne, CA has received 6 SBA loans totaling $2.4M in approved funding between 2003 and 2008. The 7(a) program accounts for 5 loans (83% of the total), supporting 11 jobs. The 504 program, focused on real estate and large equipment, has funded 1 loans totaling $484K. The most common industry receiving SBA funding is Accommodation & Food Services. The most active SBA lender in Lucerne is Heritage Bank of Commerce with 2 loans. That works out to 19.0 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
8
Total Population
51,406
Avg Median Income
-$166,624,216
Avg Home Value
-$166,467,341
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 95422 | 17,101 | $42,080 | $206,300 | $1,162 | 26.9 |
| 95423 | 3,432 | $43,170 | $285,300 | $1,350 | 122.4 |
| 95435 | 340 | N/A | N/A | N/A | 0.0 |
| 95443 | 70 | N/A | N/A | N/A | 4.2 |
| 95451 | 12,793 | $65,417 | $340,700 | $1,302 | 92.9 |
| 95453 | 11,888 | $66,775 | $371,100 | $1,091 | 87.0 |
| 95458 | 3,365 | $49,004 | $237,100 | $1,368 | 34.9 |
| 95464 | 2,417 | $73,157 | $154,100 | $1,425 | 2.5 |
Lucerne, CA has 8 ZIP codes with a combined population of 51,406. The average median household income across all ZIP codes is -$166,624,216. The average median home value is -$166,467,341. The average median monthly rent is -$166,665,704.
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