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Lodi city, CA

ZIP 95242 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 95242

Median Home Value
$549,700
Median Rent
$1,605
Affordability Snapshot
$151,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,531/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 95242 in Lodi city, CA, a household would need roughly $151,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,531. That is about 51% above the local median household income ($99,709), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
68.9%+5% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
91.8%+5% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
32.6%-15% vs US avg
x
$549,700
Home Value
$1,605
Rent
1983
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.6%
  • 1-unit attached6.1%
  • 2-9 units11.4%
  • 10+ units5.3%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$549,700
Median rent$1,605
Owner-occupied68.9%
Vacant6.4%
Price-to-income5.5x
Est. income to buy$151,000