ZIP Code · CA

ZIP 95240

Part of Lodi, CA

Pop. 50,517·San Joaquin County·790th most expensive ZIP in California

Median rent (all units)

$2,071/mo

Year-over-Year

+6.2%

Month-over-Month

+1.3%

vs US Median

+$139

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 95240 · $2,071

More expensive than 65% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,220

1 BR

$1,320

2 BR

$1,650

3 BR

$2,290

4 BR+

$2,770

Research median

$1,650/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 95240 is at its highest level since Zillow's records here began in April 2022.

Past year vs. the rest of California

Rent in ZIP 95240 changed +6.2% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent has risen 2 months in a row, and rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($82,137) is $2,053 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,650); a 3-bedroom is $2,290.

From Zillow's monthly rent index (ZORI) for ZIP 95240. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$24,852/yr

At $2,071/mo median

Location

CityLodi

StateCA

CountySan Joaquin County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 6.2% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+6.2% YoY, +1.3% MoM), not inventory.

Demographics

Who lives here

ZIP 95240 (Lodi, CA) is roughly split between renters and owners, has a large share of families with children, 19.6% of residents hold a bachelor's degree or higher.

Population

50,517

Median income

$82,137

Median age

34.1

Renters

49%

Age distribution

25.6%

25.9%

23.5%

14.1%

Under 1825.6%

18–3425.9%

35–5423.5%

55–6411%

65+14.1%

Gender

50%

Male50%

Female50%

Race & ethnicity

38.6%

49.4%

White38.6%

Black1.1%

Hispanic49.4%

Asian11.3%

Education (25+)

23.2%

27.8%

29.4%

19.6%

No HS diploma23.2%

HS diploma27.8%

Some college29.4%

Bachelor's+19.6%

Housing tenure

51%

49%

Owner51%

Renter49%

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

2022 vs 2026

How ZIP 95240 in Lodi, CA has changed in 5 years

Rent

$1,735 → $2,071

up 19.4%

Income

$62,268 → $82,137

up 31.9%

Population

49,623 → 50,517

up 1.8%

Renter share

50.4% → 49%

-1.4 pts

Bachelor's+

18.5% → 19.6%

+1.1 pts

Median age

33.1 → 34.1

+1.0 yrs

Five years ago, renters in ZIP 95240 in Lodi, CA paid around $1,735 a month. That figure now sits near $2,071, up 19.4% from the 2022 baseline. Census figures show median household income at $82,137 today, compared with $62,268 five years earlier. With wages climbing faster than rent over the same window, renters here have a bit more breathing room than they did five years back. Census counts show ZIP 95240 in Lodi, CA adding about 894 residents over the five-year window, up 1.8% on net. The combined trend lines point to a market that has changed measurably from where it stood in early 2022.

Community

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About renting in ZIP 95240

Last updated: October 17, 2026

ZIP code 95240 covers Lodi, CA. The median rent here is $2,071/mo as of October 2026. A 1-bedroom rents for a median of $1,320/mo. A 2-bedroom rents for a median of $1,650/mo.

At 30% of local median household income ($82,137/yr), ZIP 95240 ranks as moderate compared to the national benchmark of 30%. Rents have increased 6.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95240?

To keep rent at or below 30% of gross income, you would need to earn at least $83,000/year (about $40/hour full-time) to afford the median rent of $2,071/mo in ZIP 95240. The local median household income is $82,137/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 95240?

Rent in ZIP 95240 has risen 6.2% over the past year as of September 2026. That is the highest level since Zillow's records here began in April 2022.

How does ZIP 95240 compare to other ZIPs in California?

ZIP 95240 is one of the more affordable among California ZIP codes for rent, ranking #790 of 898 at $2,071/mo. Over the year to September 2026, rent in ZIP 95240 changed +6.2%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.