Lodi, CA—95240
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Lodi, CA
Home Price Trends — Lodi, CA
As of Oct '25, the median home price in Lodi, CA is $463,000, with a year-over-year change of -2.1%. This indicates that home prices in Lodi, CA are decreasing. According to Zillow, the 1-year price projection is -1.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $463,000 | -2.1% |
| Single Family | $472,000 | -2.5% |
| Condos | $248,000 | -4.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $245,000 | -0.8% |
2 Bed | $361,000 | -1.6% |
3 Bed | $477,000 | -2.5% |
4 Bed | $592,000 | -2.1% |
| 5 Bed | $755,000 | -1.0% |
% of Housing Stock
Rental Trends — Lodi, CA
As of July '25, Rentcast reports the average rent in Lodi, CA is $1,840, with a year-over-year rent change of 7.0%. Per bedroom, the median rent as of July '25 in Lodi, CA is studios: $1,100, 1-bedrooms: $1,410, 2-bedrooms: $1,800, 3-bedrooms: $2,440, 4-bedrooms: $2,920. The most common rental property sizes in Lodi, CA are 2-bedroom and 3-bedroom, accounting for 45.3% and 21.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,750 | $1,840 |
| Studio Rent | $1,100 | $1,100 |
| 1 Bed Rent | $1,300 | $1,410 |
| 2 Bed Rent | $1,700 | $1,800 |
| 3 Bed Rent | $2,400 | $2,440 |
| 4 Bed Rent | $2,200 | $2,920 |
% of Rental Stock
Property Listings — Lodi, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Lodi, CA is 47. This is a increase of 43.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $499,000 | -8.0% |
Listing Count | 84 | 19.0% |
| Listings as % of Homes | 0.2% | 19.0% |
Days on Market | 47 | 43.0% |
Demographics — Lodi, CA
As of the latest ACS Survey released in 2023, Lodi, CA has a population of 50,700, which has increased by 3.8% over the past 5 years. Lodi, CA is a popular place for families, as children make up 26.5% of the population. The area has a poorly educated workforce, with 18.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 50,700 | 3.8% |
% Under 18 | 26.5% | -9.6% |
% Seniors | 13.5% | 4.7% |
% WFH | 9.3% | 116.3% |
% w/ College Degree | 18.4% | 18.7% |
As of the latest ACS Survey released in 2023, Lodi, CA is a predominantly hispanic area, with 48.0% of the population identifying as hispanic. The hispanic population has grown by 5.7% in the last 5 years. The second most common race or ethnicity in Lodi, CA is white, making up 35.1% of the population. Foreign-born residents account for 25.5% of the population in Lodi, CA, and this percentage has increased by 13.8% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 35.1% | -14.4% |
% Black | 1.0% | -16.7% |
% Hispanic | 48.0% | 5.7% |
% Asian | 11.8% | 21.6% |
% Foreign Born | 25.5% | 13.8% |
Mortgage and Risk — Lodi, CA
According to HUD data as of 2023, there were 386 mortgage originations in Lodi, CA, of which 75.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Lodi, CA. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 386 |
% Conventional Loans | 75.0% |
% Government Loans | 25.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Lodi, CA
As of 2024, the percent of homes in Lodi, CA under the Section 8 program is 2.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Lodi, CA, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 171 |
Total Units Section 8 | 171 |
% Rentals under Section 8 | 2.1% |
% Occupied Section 8 | 82.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $1,300 | $1,270 |
| 2 Bedroom | -$80 | $1,700 | $1,620 |
| 3 Bedroom | -$130 | $2,400 | $2,270 |
| 4 Bedroom | $520 | $2,200 | $2,720 |
Affordability — Lodi, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6 |
| Median Home Price | $463,000 |
| Median Household Income | $76,900 |