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📍 Lodi, NY · Zillow ZHVI · July 2026

Average Home Price in
Lodi, NY

Seneca Falls, NY metro area · Seneca County County

Median Home Value
$318,869
↑ 8.7% year-over-year
vs. National Median
$410,000
Lodi is 22% below
Est. Monthly Payment
$1,663/mo
20% down · 6.8% rate
Income Needed
$84K
gross annual (30% rule)
Median Home Value
$318,869
↑ 8.7% year-over-year
Down Payment (20%)$63,774
Monthly P&I$1,663/mo
With Taxes & Ins.~$2,112/mo
Income Needed$84,480/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Lodi, NY

The median home value in Lodi, NY is $318,869 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.7% compared to a year ago and up 3.2% from two years prior.

Compared to the U.S. national median of $410,000, homes in Lodi are priced22% below average. Lodi is part of the Seneca Falls, NY metro area.

City Comparison

Lodi vs. National Median

🏠 Lodi
$318,869
National Median
$410,000

At $318,869, homes in Lodi cost 22% below the national median of $410,000. This makes Lodi a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Lodi?

20% Down Payment
$63,774
on $318,869
Monthly P&I
$1,663/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,112/mo
incl. taxes & insurance
Income Needed
$84,480
gross annual (30% rule)
10% Down Option
$31,887
+ PMI applies
Loan Amount (20% dn)
$255,095
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, NY?
The median home value in Lodi is $318,869 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.7% year-over-year.
How much have home prices changed in Lodi?
Over the past year, home values in Lodi have increased by 8.7%.
How much do I need to earn to buy a home in Lodi?
To comfortably afford the median home price of $318,869 with a 20% down payment ($63,774) at today's rates (6.8%), you'd need a gross annual income of approximately $84,480. 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 $318,869, homes in Lodi are 22% below the national average.
What metro area is Lodi part of?
Lodi is part of the Seneca Falls, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.