Local
Learn about the people, housing, costs and businesses in Lake of the Woods, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Lake of the Woods.
True all-in cost — P&I, taxes, insurance & utilities for homes in Lake of the Woods.
Find and compare lenders active near Lake of the Woods.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Lake of the Woods.
Seismic risk and earthquake insurance estimates for Lake of the Woods.
Wildfire exposure and insurance estimates for Lake of the Woods.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Lake of the Woods is approximately 6.823% (6.856% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Lake of the WoodsThe median home value in Lake of the Woods is $350k. The median monthly rent is $1,605. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Lake of the Woods have decreased 2.2% over the past two years. Buyers may find more negotiating room in this market. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,632/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $70k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Lake of the Woods is $55k/year.
Calculate your buying powerThe largest employment sectors in Lake of the Woods are public administration (30%) and professional services (11%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.