Lodi, California.
Typical home $508,738 (-1.4% in a year), asking rent $2,278 (+3.9%). Stockton, CA metro.
to buy the typical home at today's mortgage rate — +$1,234 (+86%) since Jan 2020.
- 1 year
- Down $6,973 -1%
- $515,711$508,738 since Sep 2025
- 5 years
- Up $21,519 +4%
- $487,219$508,738 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Lodi$2,670
- California$3,997
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 80 years.
Typical home values in Lodi, CA fell 1.4% over the past year — slower than the nation's +1.2%.
Asking rents in Lodi, CA rose 3.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Lodi runs $1,253/mo more than renting one. The gap peaked at $1,622 in Oct 2023.
That is $3,531 a month against $2,278 rent: a $2,670 mortgage payment, plus $316 property tax and $545 insurance & upkeep.
Owning vs renting — Lodi
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,531
- Renting$2,278
- Mortgage only$2,670
Property tax · $316/mo 0.75% of value a year — the ACS 2020-2024 median bill over the median home value for San Joaquin County, CA
Insurance & upkeep · $545/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Lodi, San Joaquin County, California
Lodi is a city of 66,348 people in San Joaquin County. Half its households earn more than $88,530 a year and half less, against $92,179 across San Joaquin County; 12% of its people live below the poverty line. 57% of its homes are lived in by their owners and 43% are rented. Unemployment in Lodi was 5.9% in August 2026, and San Joaquin County had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lodi is a city in San Joaquin County with a population somewhat younger than many American towns of its size. Household incomes sit a little below the county's, and a modest majority of homes are lived in by their owners, with the rest rented. Winters are cool and mostly frost-free, with almost no snow, and summers turn hot and dry, with the little rain falling mostly in the cooler months.
Work. Many residents work in schools, hospitals and social care, with shops, manufacturing, and professional and business services also employing a good number of people. Lodi Unified, the school district, is the largest workplace in town, followed by Cepheid, which makes plastics products and diagnostic test equipment, and Walmart. Most people drive to work, and a modest share do their jobs from home.
Things to do. The San Joaquin County Historical Society and Museum is in or beside town, and a short drive away are Micke Grove Regional Park and the zoo within it. For a longer outing, the Haggin Museum is a longer drive away, and the Mokelumne River is another longer drive for time near the water.
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- 23,176households
- 25%of adults have a degree
- 12%below the poverty line
- 24 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. San Joaquin County had 290,380 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 57° and lows near 39°; warmest in July, with highs near 92° and lows near 59°. About 18 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Lodi weather station, a mile away (NOAA).
Largest workplaces in Lodi
- Lodi UnifiedSchool district2,827FTE
- Cepheid_LodiAll other plastics products manufacturing and ivd assembly1,604
- WalmartWarehouse clubs and supercenters434
- Rich Products LodiFrozen bread and bread-type rolls, made in commercial bakeries369
- Costco WholesaleWholesale grocer362
- Clark Pest Control of StocktonPest control services230
- TargetDiscount department stores216
- Arbor Rehabilitation & Nursing CenterSkilled nursing facilities177
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 45 workplaces with 20 or more staff, 5,535 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesRelatively high
- Inland floodingRelatively high
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lodi’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on San Joaquin County and the Stockton, CA metro.
Lodi home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lodi$508,738
- California$761,538
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Lodi listings, and the typical home goes pending in 30 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Lodi33.48%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Lodi30
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lodi199
New listings per month
Sellers arriving at the market.
- Lodi57
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Lodi$535,177
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Lodi98.53%
Zip codes with a Lodi address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lodi — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Lodi
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 95240 | Lodi | 50,517 | $2,071 | $461,273 |
| 95242 | Lodi | 28,427 | $2,529 | $565,100 |