ZIP Code · CA

ZIP 95242

Part of Lodi, CA

Pop. 28,427·San Joaquin County·604th most expensive ZIP in California

Median rent (all units)

$2,529/mo

Year-over-Year

+1.4%

Month-over-Month

+0.4%

vs US Median

+$597

Reported rents

Stable (Monthly)

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ZIP 95242 · $2,529

More expensive than 81% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,490

1 BR

$1,620

2 BR

$2,020

3 BR

$2,810

4 BR+

$3,390

Research median

$2,020/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

Past year vs. the rest of California

Rent in ZIP 95242 changed +1.4% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($104,721) is $2,618 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,020); a 3-bedroom is $2,810.

Cheaper nearby

ZIP 95209, 6 miles away, rents for 11% less ($2,247/mo), about $3,400 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 95242. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$30,348/yr

At $2,529/mo median

Location

CityLodi

StateCA

CountySan Joaquin County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (1.4% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+1.4% YoY, +0.4% MoM), not inventory.

Demographics

Who lives here

ZIP 95242 (Lodi, CA) is majority owner-occupied, has a large retiree population, has a median income above the national average, 33.6% of residents hold a bachelor's degree or higher.

Population

28,427

Median income

$104,721

Median age

41.1

Renters

29.9%

Age distribution

20.4%

21%

26.3%

20.7%

Under 1820.4%

18–3421%

35–5426.3%

55–6411.6%

65+20.7%

Gender

49.3%

50.7%

Male49.3%

Female50.7%

Race & ethnicity

66.4%

24.7%

White66.4%

Black1.3%

Hispanic24.7%

Asian7.4%

Education (25+)

24.3%

34.2%

33.6%

No HS diploma7.9%

HS diploma24.3%

Some college34.2%

Bachelor's+33.6%

Housing tenure

70.1%

29.9%

Owner70.1%

Renter29.9%

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

2021 vs 2026

How ZIP 95242 in Lodi, CA has changed in 5 years

Income

$80,726 → $104,721

up 29.7%

Population

27,448 → 28,427

up 3.6%

Renter share

35.6% → 29.9%

-5.7 pts

Bachelor's+

28.8% → 33.6%

+4.8 pts

Median age

38.5 → 41.1

+2.6 yrs

Household income in the area moved from $80,726 to $104,721 across the same window, up 29.7% versus 2021. The population has grown by 3.6% since 2021, moving from about 27,448 residents to roughly 28,427. Renters now make up 29.9% of households, compared with 35.6% five years ago. College-educated residents now make up 33.6% of adults here, versus 28.8% in 2021.

Community

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Local insights

Tips for renters in ZIP 95242

About renting in ZIP 95242

Last updated: October 17, 2026

ZIP code 95242 covers Lodi, CA. The median rent here is $2,529/mo as of October 2026. A 1-bedroom rents for a median of $1,620/mo. A 2-bedroom rents for a median of $2,020/mo.

At 29% of local median household income ($104,721/yr), ZIP 95242 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 95242?

To keep rent at or below 30% of gross income, you would need to earn at least $101,000/year (about $49/hour full-time) to afford the median rent of $2,529/mo in ZIP 95242. The local median household income is $104,721/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 95242?

Rent in ZIP 95242 has risen 1.4% over the past year.

How does ZIP 95242 compare to other ZIPs in California?

ZIP 95242 is one of the more affordable among California ZIP codes for rent, ranking #604 of 898 at $2,529/mo. Over the year to September 2026, rent in ZIP 95242 changed +1.4%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.