City · 67,607 residents · San Joaquin County, California
Lodi, California
In Lodi, a typical home is worth $492,500 and typical rent is $1,680 a month. Compared with all of San Joaquin County, the typical home value is 7% lower and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $487,219 to $508,738.
Typical rent
$2,278a month
▲ 3.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,911 to $2,278.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lodi is in San Joaquin County. The FHA loan limit ($678,500 for a one-unit home), the fair market rents and the help on this page are those of all of San Joaquin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in August, the typical home value is $296,100: 40% less than in Lodi ($492,500).
2
Nearby, in August, the typical rent is $1,221: 27% less than in Lodi ($1,680).
3
57% of households in Lodi own their home, against 62% in San Joaquin County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lodi
What homes there are in Lodi, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Lodi
San Joaquin County
California
United States
Kind of home: Lodi and its comparisons
Measure
Lodi
San Joaquin County
California
United States
Detached house
65%
75%
57%
61%
Attached house
7%
5%
7%
6%
Building of 2 to 4
8%
5%
8%
8%
Apartments (5 or more)
19%
12%
24%
19%
Mobile home
2%
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses are the majority in Lodi (65%), but less so than in San Joaquin County (75%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Lodi
San Joaquin County
California
United States
Year built: Lodi and its comparisons
Measure
Lodi
San Joaquin County
California
United States
Before 1960
27%
21%
27%
26%
1960–1979
29%
23%
29%
24%
1980–1999
26%
27%
25%
25%
2000–2009
9%
18%
11%
14%
2010 or later
9%
11%
8%
11%
The typical home in Lodi was built in 1976, 8 years before the typical one in San Joaquin County.
There are fewer big homes in Lodi than in San Joaquin County: 59% have 3 bedrooms or more, against 68%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K4%
$100K–$200K2%
$200K–$300K6%
$300K–$500K41%
$500K–$750K38%
FHA limit: $678,500
$750K–$1M8%
$1M or more3%
Value of owner-occupied homes: Lodi and its comparisons
Measure
Lodi
Under $100K
4%
$100K–$200K
2%
$200K–$300K
6%
$300K–$500K
41%
$500K–$750K
38%
$750K–$1M
8%
$1M or more
3%
The FHA loan limit for San Joaquin County is $678,500, and about 79% of owner-occupied homes in Lodi are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99910%
$1,000–$1,49929%
$1,500–$1,99927%
$2,000–$2,49923%
$2,500–$2,9997%
$3,000 or more3%
Monthly rent with utilities: Lodi and its comparisons
Measure
Lodi
Under $500
Unreliable estimate
$500–$999
10%
$1,000–$1,499
29%
$1,500–$1,999
27%
$2,000–$2,499
23%
$2,500–$2,999
7%
$3,000 or more
3%
With a mortgage
$2,297 a month
San Joaquin County: $2,494 a month
Without a mortgage
$695 a month
San Joaquin County: $740 a month
Owners with a mortgage
68%
San Joaquin County: 70%
In Lodi, 68% of owners have a mortgage, and their typical cost is $2,297 a month, against $2,494 in San Joaquin County. Without one it drops to $695.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lodi+52%
San Joaquin County+55%
California+46%
United States+53%
Typical rent
Lodi+42%
San Joaquin County+44%
California+36%
United States+33%
Typical household income
Lodi+51%
San Joaquin County+43%
California+32%
United States+29%
Change since 2015–2019: Lodi and its comparisons
Measure
Lodi
San Joaquin County
California
United States
Typical home value
+52%
+55%
+46%
+53%
Typical rent
+42%
+44%
+36%
+33%
Typical household income
+51%
+43%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Lodi rose at about the same pace as in San Joaquin County: 52% against 55%.
The typical rent in Lodi rose 42% since 2015–2019, about the same as in San Joaquin County (44%).
The typical household income in Lodi rose 51% over that time; home values changed +52% and rent +42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lodi and its comparisons
Measure
Lodi
San Joaquin County
California
United States
Rental vacancy
4.2%
3.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
9.1%
8.4%
8.2%
3.4%
People per household
2.87
3.19
2.84
2.53
Drive alone
74%
74%
66%
69%
Carpool
10%
12%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
3%
2%
3%
3%
Work from home
12%
11%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Lodi, the rental vacancy rate is 4.2%, about the same as in San Joaquin County.
In Lodi, 9.1% of households live with more than one person per room, about the same as in San Joaquin County.
On average, a household in Lodi has 2.87 people, fewer than in San Joaquin County (3.19).
To get to work, 74% of workers in Lodi drive alone; in San Joaquin County, 74%.
Do the math
What would you pay each month for a home in Lodi?
A typical home costs more than the typical income allows
We start with a typical home in Lodi, worth $492,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Lodi, which is $88,530 a year. For that payment to be 28% of income, a household would need to earn about $170,312 a year.
The calculator's FHA and conventional loan limits are those of all of San Joaquin County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Lodi. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $17,238 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,974
at 7.18% · 30 years
Loan amount
$483,579
Total interest
$695,757
Paid off in
November 2056
Includes $8,317 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,066 a month
Tight
$2,066 to $2,656 a month
Hard
more than $2,656 a month
Your payment · 54%
Compared with the typical household income in Lodi ($88,530 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,276
Property tax
$275
Home insurance
$205
FHA mortgage insurance (MIP)
$218
You need at least $17,238 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,974; principal and interest $3,276.
The city and its county
Lodi and San Joaquin County
Lodi is in San Joaquin County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Lodi
Map of San Joaquin County, California, with Lodi marked. Around it, the neighboring counties.
Lodi
San Joaquin County
Other cities with a page
Lodi's own numbers
Typical home value
$492,500
Typical monthly rent
$1,680
Typical yearly household income
$88,530
Households that own their home
57%
Effective property tax rate
0.67%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of San Joaquin County
FHA limit, one-unit home
$678,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,015
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
3.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Joaquin County.
A typical home in Lodi is worth $492,500: 7% below the county and 33% below California. With the typical household income in Lodi ($88,530 a year), a typical home costs 5.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Lodi5.6 years
San Joaquin5.8 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in San Joaquin County
According to FHFA’s house price index, home prices in San Joaquin County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of San Joaquin County.
Yearly change in FHFA’s price index in San Joaquin County, 2016 to 2025
2016: +9.5% +9.5% 2016
2017: +8.9% +8.9% 2017
2018: +8.2% +8.2% 2018
2019: +4.3% +4.3% 2019
2020: +3.4% +3.4% 2020
2021: +18.0% +18.0% 2021
2022: +15.4% +15.4% 2022
2023: −1.4% −1.4% 2023
2024: +4.2% +4.2% 2024
2025: −0.9% −0.9% 2025
Change in FHFA’s price index in San Joaquin County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.9%
+0.8%
+2.9%
5 years (2020–2025)
+39%
+40%
+47%
10 years (2015–2025)
+93%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Lodi next to San Joaquin County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Lodi$492,500
San Joaquin$530,700
California$734,700
United States$332,700
Typical monthly rent
Lodi$1,680
San Joaquin$1,734
California$2,036
United States$1,413
Typical yearly household income
Lodi$88,530
San Joaquin$92,179
California$99,122
United States$80,734
See the full table
Lodi next to San Joaquin County and California
Measure
Lodi
San Joaquin County
California
U.S.
Typical home value
$492,500 ▼7% below the county
$530,700
$734,700
$332,700
Typical monthly rent
$1,680 ▼3% below the county
$1,734
$2,036
$1,413
Typical yearly household income
$88,530 ▼4% below the county
$92,179
$99,122
$80,734
Households that own their home
57% ▼5 points below the county
62%
56%
65%
Typical yearly property tax
$3,314 ▼16% below the county
$3,960
$5,124
$3,119
Effective property tax rate
0.67% ▼0.08 points below the county
0.75%
0.7%
0.94%
Renters with high rent for their income
54%
54%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Joaquin County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Lodi
For a typical $492,500 home in Lodi, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lodi's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,974a month
Least cash to close
Down payment
$17,238
Cash to close
$32,013
Rate
7.18%
Mortgage insurance
FHA MIP · $218
Conventional, 5% down$3,884a month
Down payment
$24,625
Cash to close
$39,400
Rate
7.18%
Mortgage insurance
PMI · $234
Conventional, 20% down, no PMI$3,149a month
Down payment
$98,500
Cash to close
$113,275
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,605a month
Down payment
$73,875
Cash to close
$88,650
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lodi
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,974
$17,238
$483,580
7.18%
FHA MIP · $218
$32,013
580
Conventional, 5% down
$3,884
$24,625
$467,875
7.18%
PMI · $234
$39,400
620*
Conventional, 20% down, no PMI
$3,149
$98,500
$394,000
7.18%
None
$113,275
620*
ITIN, 15% down (example)
$3,605
$73,875
$418,625
8.18%
None
$88,650
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Lodi is $1,680 a month: 3% below the county. In Lodi, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of San Joaquin County, by unit size. To pay the 2-bedroom one ($2,015 a month) without spending more than 30% of your income, you would need to earn $38.75 an hour working full time.
HUD fair market rent for all of San Joaquin County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Joaquin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,525
$29.33
$61,000
1 bedroom
$1,628
$31.31
$65,120
2 bedrooms
$2,015
$38.75
$80,600
3 bedrooms
$2,790
$53.65
$111,600
4 bedrooms
$3,368
$64.77
$134,720
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Lodi
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lodi has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,900 in 95240 to $2,300 in 95242.
1 of the 2 is above the fair market rent for San Joaquin County ($2,015).
Fair market rent by ZIP code and size in Lodi, fiscal year 2027.
95240
$1,440
$1,530
$1,900
$2,630
$3,180
95242
$1,740
$1,860
$2,300
$3,180
$3,840
ZIP code2 bd3 bd
95240 $1,900$2,630
95242 $2,300$3,180
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lodi when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in San Joaquin County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Lodi or San Joaquin County. The ones below are statewide in California: they work in Lodi the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Lodi or San Joaquin County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Lodi and all of San Joaquin County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Lodi?
The typical home value in Lodi is $492,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Joaquin County it is $530,700.
How much does it cost to rent in Lodi?
Typical rent in Lodi is $1,680 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Joaquin County is $2,015.
What is the FHA loan limit in Lodi?
Lodi uses the FHA limit for all of San Joaquin County (2026): $678,500 for a one-unit home and $1,304,850 for a four-unit home.
How much property tax do owners pay in Lodi?
The typical homeowner in Lodi pays $3,314 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in San Joaquin County, the rate is 0.75%.
Where can I find free help to buy or rent in Lodi?
There is 1 HUD-approved counseling agency with an office in San Joaquin County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
