Photo: Rfigura · CC BY-SA 4.0Measured against area pay, Lodi costs less to live in than 74% of U.S. towns
It ranks #275 of 993 in Ohio for affordability. Up 4% in a year, 10% above the Ohio typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Cleveland, OH metro area ($71K). How TownRatings grades cost of living
Only 1 sale in April 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade compares costs with what households across the Cleveland metro earn ($71K, Census 2020–24). The typical home costs 2.2 years of metro income, and 34% of renters pay 30% or more of income for housing.
In dollars
- $270Ktypical home, 10% above the Ohio typical homeZillow, September 2026
- $1,090a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 94prices across the Cleveland metro, where the U.S. is 100 (housing 79)BEA Regional Price Parities, 2024
In paychecks the grade
- 2.2 yrsof area income buys the typical home; the typical U.S. town: 3.3$71K, Cleveland-area income
- 15%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 34%of renters pay 30%+ of income for housing; across Ohio: 46%Census 2020–24
- 18%of owners do; the typical U.S. town: 20%Census 2020–24
What stands out about housing in Lodi
What’s behind Lodi’s grade
Measured against what households in the area earn, Lodi is more affordable than 74% of U.S. towns, #275 of 993 in Ohio. Property tax pulls the grade down most; home prices hold it up.
Prices here have kept pace with Ohio: up 33.3% in five years, against 29.8% statewide (Zillow).
Up 33.3% in five years
Faster than Ohio (29.8%).
Show as a table
| January | Lodi | Ohio |
|---|---|---|
| 2017 | $144,000 | $131,000 |
| 2018 | $151,000 | $139,000 |
| 2019 | $160,000 | $148,000 |
| 2020 | $167,000 | $156,000 |
| 2021 | $188,000 | $175,000 |
| 2022 | $204,000 | $193,000 |
| 2023 | $223,000 | $208,000 |
| 2024 | $238,000 | $221,000 |
| 2025 | $256,000 | $234,000 |
| 2026 | $261,000 | $242,000 |
| September 2026 | $270,000 | $246,000 |
A typical Lodi home worth $142K in October 2016 is worth about $270K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A typical home costs 2.2 years of area income
The calculator starts from the area income the grade uses. Switch to Lodi’s own median, or type yours.
That’s $14K short of a typical Lodi home.
A two-bedroom rents for about $1,090 a month here, $660 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Lodi’s typical property tax (1.50% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,090
Renters already here pay a median of $902, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Cleveland, OH HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Low tax bills, but a high tax rate
The median bill is $2,376, under the Ohio median of $2,822, because homes cost less. As a share of value it’s 1.50% a year, against 1.31% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Lodi
Only figures published free for the whole country, each labeled with the area it covers: the Cleveland, OH metro area, or Ohio. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 94 | OH 93 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 94 | OH 94 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 96 | OH 96 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | OH 99 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Lodi and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Lodi | B+ | $270K | $159K | 1.50% | $1,090 |
Questions about the cost of living in Lodi
Is Lodi expensive to live in?
Measured against what households in the area earn, Lodi costs less than 74% of U.S. towns: a B+ for cost of living, #275 of 993 in Ohio. The typical home costs 2.2 years of the median household income of the Cleveland, OH metro area ($71K).
How much does a house cost in Lodi?
About $270K, Zillow’s typical value for September 2026, up 4.0% in a year. The Ohio typical home is $246K.
What salary do you need to live in Lodi?
To buy the typical home with 20% down at 6.3%, about $75,000 a year, keeping the payment (about $1,750 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $44,000.
How much is rent in Lodi?
HUD puts a two-bedroom at about $1,090 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $902 (Census 2020–24).
What are property taxes in Lodi?
The median bill is $2,376 a year, 1.50% of the median home value (Ohio: $2,822, 1.31%), from the Census 2020–24.
Are home prices in Lodi going up?
Yes: up 4.0% in the past year and 33.3% in five years, against 29.8% across Ohio (Zillow).
Neighbors talk housing
What Lodi buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, April 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.