ZIP Code · NJ

ZIP 07644

Part of Lodi, NJ

Pop. 26,082·Bergen County·116th most expensive ZIP in New Jersey

Median rent (all units)

$2,448/mo

Year-over-Year

+2.8%

Month-over-Month

-0.2%

vs US Median

+$516

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 07644 · $2,448

More expensive than 78% of US ZIP codes · National median $1,932/mo

Rent check

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,680

1 BR

$1,920

2 BR

$2,200

3 BR

$2,680

4 BR+

$3,420

Research median

$2,200/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 07644 is 0.2% below its high of $2,452 in August 2026, at $2,448 as of September 2026.

Past year vs. the rest of New Jersey

Rent in ZIP 07644 changed +2.8% over the year to September 2026. Across the 149 New Jersey ZIP codes Zillow tracks, the typical change was +2.8%.

Recent direction

Rent rose in 6 of the last 12 months.

What a typical income covers

30% of the median household income ($89,305) is $2,233 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,200); a 3-bedroom is $2,680.

Cheaper nearby

ZIP 07055, 3 miles away, rents for 16% less ($2,055/mo), about $4,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 07644. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$29,376/yr

At $2,448/mo median

Location

CityLodi

StateNJ

CountyBergen County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.8% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.8% YoY, -0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 07644 (Lodi, NJ) is majority renter-occupied, 29.6% of residents hold a bachelor's degree or higher.

Population

26,082

Median income

$89,305

Median age

41.1

Renters

57.6%

Age distribution

18.7%

22.7%

28.2%

16.8%

13.6%

Under 1818.7%

18–3422.7%

35–5428.2%

55–6416.8%

65+13.6%

Gender

47%

53%

Male47%

Female53%

Race & ethnicity

48.9%

39%

White48.9%

Black8.4%

Hispanic39%

Asian6.7%

Education (25+)

13.5%

29.9%

27%

29.6%

No HS diploma13.5%

HS diploma29.9%

Some college27%

Bachelor's+29.6%

Housing tenure

42.4%

57.6%

Owner42.4%

Renter57.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 07644 in Lodi, NJ has changed in 5 years

Rent

$1,865 → $2,448

up 31.3%

Income

$70,821 → $89,305

up 26.1%

Population

25,983 → 26,082

up 0.4%

Renter share

58.3% → 57.6%

-0.7 pts

Bachelor's+

28.4% → 29.6%

+1.2 pts

Median age

38.3 → 41.1

+2.8 yrs

Rent in ZIP 07644 in Lodi, NJ has climbed 31.3% since 2022, going from about $1,865 per month to roughly $2,448 today. On the earnings side, the typical household in ZIP 07644 in Lodi, NJ now reports about $89,305, up from $70,821 in 2021. Rent outpaced income growth by roughly 5.2 percentage points, which means renters are spending a larger slice of each paycheck on housing than they did in 2021. For context, the 2022 to 2026 window covers an unusually volatile run for US rents nationally, and ZIP 07644 in Lodi, NJ reflects that arc in its own way.

Community

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Local insights

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About renting in ZIP 07644

Last updated: October 17, 2026

ZIP code 07644 covers Lodi, NJ. The median rent here is $2,448/mo as of October 2026. A 1-bedroom rents for a median of $1,920/mo. A 2-bedroom rents for a median of $2,200/mo.

At 33% of local median household income ($89,305/yr), ZIP 07644 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 07644?

To keep rent at or below 30% of gross income, you would need to earn at least $98,000/year (about $47/hour full-time) to afford the median rent of $2,448/mo in ZIP 07644. The local median household income is $89,305/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 07644?

Rent in ZIP 07644 has risen 2.8% over the past year as of September 2026. It sits 0.2% below its high of $2,452 in August 2026.

How does ZIP 07644 compare to other ZIPs in New Jersey?

ZIP 07644 is in the middle among New Jersey ZIP codes for rent, ranking #116 of 209 at $2,448/mo. Over the year to September 2026, rent in ZIP 07644 changed +2.8%, against a typical +2.8% across the 149 New Jersey ZIP codes Zillow tracks.