ZIP Code 95240 — Lodi, California

The median home in 95240 is valued at $413,900 against a median household income of $70,212, a price-to-income ratio of 5.9. That is below the 6.7 median across the 1,558 California ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within San Joaquin County, 95240 ranks 18 of 28 ZIPs on affordability (1 = lowest ratio); the county median ratio is 5.7. Renting takes 22.9% of median household income (median rent $1,342 a month), under the 30% cost-burden threshold.

95240 ranks 1,073 of 1,558 statewide on median household income and 1,081 of 1,558 on median home value; its income is below the $85,098 San Joaquin County median. 50% of households own their home, below the 64% statewide ZIP median, so most residents rent. 19% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 16.8%, far above the 10.8% statewide ZIP median. Unemployment stands at 9.3%.

With 737 residents per square mile across 68.2 square miles of land, 95240 is less dense than the statewide ZIP median of 1,120 (rank 850 of 1,558). This is a low-density pattern of large lots, small towns or scattered subdivisions.