Market Overview
Home Prices in Lodi, CA
The median home value in Lodi, CA is $518,965 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.4% compared to a year ago and down 1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lodi are priced27% above average. Lodi is part of the Stockton, CA metro area.
Over the past five years, Lodi home values have risen by approximately7.0%, reflecting steady appreciation in this market.
Price History
Lodi Home Price Trend
2020
$408,270
$408K
—
2021
$485,171
$485K
+18.8%
2022
$551,280
$551K
+13.6%
2023
$516,423
$516K
-6.3%
2024
$536,987
$537K
+4.0%
2025
$531,880
$532K
-1.0%
2026
$518,965
$519K
-2.4%
City Comparison
Lodi vs. National Median
🏠 Lodi
$518,965
National Median
$410,000
At $518,965, homes in Lodi cost 27% above the national median of $410,000. Buyers in Lodi should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Lodi?
20% Down Payment
$103,793
on $518,965
Monthly P&I
$2,707/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,438/mo
incl. taxes & insurance
Income Needed
$137,520
gross annual (30% rule)
10% Down Option
$51,897
+ PMI applies
Loan Amount (20% dn)
$415,172
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Lodi, CA?
The median home value in Lodi is $518,965 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.4% year-over-year.
How much have home prices changed in Lodi?
Over the past year, home values in Lodi have decreased by 2.4%. Over five years, prices have risen approximately 7.0%.
How much do I need to earn to buy a home in Lodi?
To comfortably afford the median home price of $518,965 with a 20% down payment ($103,793) at today's rates (6.8%), you'd need a gross annual income of approximately $137,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Lodi compare to the national average home price?
The national median home value is approximately $410,000. At $518,965, homes in Lodi are 27% above the national average.
What metro area is Lodi part of?
Lodi is part of the Stockton, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.