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City · 26,082 residents · Bergen County, New Jersey

Lodi , New Jersey

In Lodi, a typical home is worth $475,000 and typical rent is $1,714 a month. Compared with all of Bergen County, typical household income is 28% lower, the typical home value is 24% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $475,000

    24% below the county

    5% above New Jersey

    • Lodi
    • Bergen
    • New Jersey

  • Typical rent

    $1,714a month

    10% below the county

    About the same as New Jersey

    • Lodi
    • Bergen
    • New Jersey

  • Typical household income

    $89,305a year

    28% below the county

    14% below New Jersey

    • Lodi
    • Bergen
    • New Jersey

  • Households that own their home

    42%

    23 points below the county

    21 points below New Jersey

    • Lodi
    • Bergen
    • New Jersey

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$626,266
5.8% more than 12 months ago
Typical rent
$2,408 a month
2.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lodi is in Bergen County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Bergen County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lodi apart

What this place has that others do not, from public data, most unusual first.

  1. 42% of households in Lodi own their home, against 65% in Bergen County.

  2. The typical household income in Lodi is $89,305, 28% less than in Bergen County as a whole ($124,884).

  3. The typical home in Lodi is worth $475,000, 24% less than in Bergen County as a whole ($623,000).

  4. Nearby, in Hackensack, the typical home value is $393,700: 17% less than in Lodi ($475,000).

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

In Lodi there is a bit of everything: no kind of home reaches half. The most common are buildings of 2 to 4 homes (53%), more than in Bergen County (18%).

Year built

The typical year built in Lodi is 1958, about the same as in Bergen County (1960).

Homes in Lodi are smaller: 39% have 3 bedrooms or more; in Bergen County, 58%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,052 a month

Bergen County: $3,547 a month

Without a mortgage

$1,184 a month

Bergen County: $1,498 a month

Owners with a mortgage

62%

Bergen County: 62%

The typical cost for an owner with a mortgage in Lodi is $3,052 a month, less than in Bergen County ($3,547); without one, $1,184.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Lodi rose 27%; in Bergen County, it rose 33%.

Rents in Lodi rose at about the same pace as in Bergen County: 27% since 2015–2019, against 27%.

The typical household income in Lodi rose 34%: more than home values (+27%) and rent (+27%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLodiBergen CountyNew JerseyUnited States
Rental vacancy Unreliable estimate3.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.6%0.7%0.9%
More than one person per room 5.1%3.7%4.0%3.4%
People per household 2.682.682.622.53
Drive alone 67%59%62%69%
Carpool 14%7%8%9%
Public transit 7%10%8%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 8%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Lodi, 5.1% of households live with more than one person per room, against 3.7% in Bergen County.

A household in Lodi has 2.68 people on average, about the same as in Bergen County (2.68).

More people carpool to work in Lodi than in Bergen County: 14% against 7%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

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 $475,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Lodi, which is $89,305 a year. For that payment to be 28% of income, a household would need to earn about $188,689 a year.

The calculator's FHA and conventional loan limits are those of all of Bergen County.

Your numbers

Local data
$

Starts at the typical home value in Lodi. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,625 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,403

at 7.18% · 30 years

Loan amount
$466,397
Total interest
$671,035
Paid off in
November 2056

Includes $8,022 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,084 a month

  • Tight

    $2,084 to $2,679 a month

  • Hard

    more than $2,679 a month

    Your payment · 59%

Compared with the typical household income in Lodi ($89,305 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,403
Principal & interest$3,160
Property tax$835
Home insurance$198
FHA mortgage insurance (MIP)$210

You need at least $16,625 for the down payment, plus closing costs.

Next step

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.

The city and its county

Lodi and Bergen County

Lodi is in Bergen County, New Jersey. 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's own numbers

Typical home value
$475,000
Typical monthly rent
$1,714
Typical yearly household income
$89,305
Households that own their home
42%
Effective property tax rate
2.11%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Bergen County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,282
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
4%

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 Bergen County.

Everything about Bergen County

Buying

Buying a home in Lodi

A typical home in Lodi is worth $475,000: 24% below the county and 5% above New Jersey. With the typical household income in Lodi ($89,305 a year), a typical home costs 5.3 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.

  • Lodi 5.3 years
  • Bergen 5.0 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bergen County

According to FHFA’s house price index, home prices in Bergen County rose 74% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Bergen County.

Period County New Jersey U.S.
Last year (2025) +6.8% +6.2% +2.9%
5 years (2020–2025) +52% +63% +47%
10 years (2015–2025) +74% +88% +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 Bergen County, New Jersey and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Lodi $475,000
  • Bergen $623,000
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Lodi $1,714
  • Bergen $1,914
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Lodi $89,305
  • Bergen $124,884
  • New Jersey $103,556
  • United States $80,734
See the full table
Lodi next to Bergen County and New Jersey
Measure Lodi Bergen County New Jersey U.S.
Typical home value $475,000 $623,000 $454,400 $332,700
Typical monthly rent $1,714 $1,914 $1,720 $1,413
Typical yearly household income $89,305 $124,884 $103,556 $80,734
Households that own their home 42% 65% 64% 65%
Typical yearly property tax $10,001 $10,001 $9,590 $3,119
Effective property tax rate 2.11% 1.61% 2.11% 0.94%
Renters with high rent for their income 51% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bergen 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 $475,000 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 $4,403a month

    Least cash to close
    Down payment
    $16,625
    Cash to close
    $30,875
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $210

  • Conventional, 5% down $4,316a month

    Down payment
    $23,750
    Cash to close
    $38,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $226

  • Conventional, 20% down, no PMI $3,607a month

    Down payment
    $95,000
    Cash to close
    $109,250
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,047a month

    Down payment
    $71,250
    Cash to close
    $85,500
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lodi and for Bergen County.

Property tax

Effective rate in Lodi

2.11%of the home’s value each year

$10,001 a year for the typical owner in Lodi.

  • Lodi 2.11%
  • Bergen 1.61%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Bergen County

FEMA does not publish these numbers by city: they are for all of Bergen County.

Homes in the high-risk zone
4%
10,177
Of those, with NFIP insurance
41%
County New Jersey U.S.
Homes in the high-risk zone 4% 6.7% 3.5%
Of those, with NFIP insurance 41% 63% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lodi

Typical rent in Lodi is $1,714 a month: 10% below the county. In Lodi, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bergen County, by unit size. To pay the 2-bedroom one ($2,282 a month) without spending more than 30% of your income, you would need to earn $43.88 an hour working full time.

HUD fair market rent for all of Bergen County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,772 $34.08 $70,880
1 bedroom $1,987 $38.21 $79,480
2 bedrooms $2,282 $43.88 $91,280
3 bedrooms $2,771 $53.29 $110,840
4 bedrooms $3,497 $67.25 $139,880

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 is in ZIP code 07644.

For 2 bedrooms it is $2,160: $122 less than the fair market rent for Bergen County ($2,282).

  • 07644 $2,160$2,620

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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Lodi

HUD lists 2 buildings with rents for lower incomes in Lodi. These are the largest.

  • De Vries Park 20 Rennie Pl, Lodi 07644 220 low-income homes · Run by Housing Authority of the Borough of Lodi · Average payment: $757 a month · Average wait: 29 months (973) 470-3650
  • Advance Supportive Housing Pro 202 Terhune Ave, Lodi 07644 5 low-income homes · For people with disabilities

See all 74 buildings in Bergen County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lodi

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 are 2 HUD-approved agencies with an office in Bergen County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Lodi

No down payment, repair or rent-help program on our list is for Lodi or Bergen County. The ones below are statewide in New Jersey: they work in Lodi the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

Housing counselors near Lodi

The HUD-approved agencies closest to the center of Lodi, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • County of Bergen, Department of Human Services, Division of Senior Services

    1 Bergen County Plz, Hackensack · 2 miles away

    • Mortgage delinquency and default
    • Reverse mortgage counseling
    (201) 336-7400

  • Fair Housing Council of Northern New Jersey

    131 Main St Ste 140, Hackensack · 2 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 2 more
    (201) 489-3552

  • Paterson Task Force for Community Action, Inc

    191 Market St, Paterson · 5 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    973-279-2333-135

Every agency in Bergen County All counseling agencies in New Jersey

Help in Spanish near Lodi

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lodi

HUD’s record names them for Lodi or Bergen County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Bergen County Section 8 vouchers (201) 336-7600

6 other authorities have an office in Bergen County: see the list Source: HUD

Cities

Other cities in Bergen County

These cities are also in Bergen County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Bergen County Housing in New Jersey
See 38 more cities in Bergen County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Lodi, with the typical home value.

Neighboring counties

If Bergen County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lodi.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Lodi

Short answers with the numbers for Lodi and all of Bergen 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 $475,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bergen County it is $623,000.

How much does it cost to rent in Lodi?

Typical rent in Lodi is $1,714 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bergen County is $2,282.

What is the FHA loan limit in Lodi?

Lodi uses the FHA limit for all of Bergen County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Lodi?

The typical homeowner in Lodi pays $10,001 a year, according to the U.S. Census Bureau. That is 2.11% of the home’s value; in Bergen County, the rate is 1.61%.

Where can I find free help to buy or rent in Lodi?

There are 2 HUD-approved counseling agencies with an office in Bergen County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).