F
31%
Overall NAT. AVG.
8%
Goods & Services NAT. AVG.
71%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Lodi California National
Cost of living131140100
Goods & Services108111100
Groceries107112100
Health care102109100
Housing171196100
Transportation122126100
Utilities142127100

An Overview of Cost of Living in Lodi, CA

Understanding the cost of living in Lodi can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Lodi cost of living index is 131, which is 31% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

If you're in pursuit of an economical living environment, Lodi may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Lodi falls within this bracket.

When it comes to the cost of living in Lodi, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 70.7% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

Is Lodi Affordable?

Wondering if Lodi is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Lodi, for example, the median home price is 87% higher than what folks pay nationally, and monthly rent is 32.8% higher than the usual rates. Plus, income levels matter too, with Lodi boasting a median household income of $64,153, which is 16% higher than the national average.

What Factors can Influence the Cost of Living in Lodi?

Transportation: In situations where public transportation is limited or nonexistent, local residents may be required to own and maintain their own vehicles, contributing to an elevated cost of living. Monthly expenditures may encompass fuel costs, insurance premiums, routine vehicle upkeep and possibly lease or financing payments. In Lodi, the transportation index is 21.7% higher than the national average.

Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Lodi, the groceries index is 6.8% higher than the national average.

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Lodi, healthcare costs are 2.4% higher than the national average.

Where is the Data From?

The cost of living in Lodi, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Lodi is 6% lower than the California average
  • The cost of living in Lodi is 31% higher than the national average
  • Lodi housing is 71% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Lodi

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Compare Lodi, CA Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$84,876$7,073$1,980$2,547
      Renters$45,599$3,800$1,064$1,368
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Lodi, CA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Lodi homeowners, is $84,876. This would allow for a maximum of $1,980 per month to be spent on housing costs. For renters, the median monthly income is $45,599 which would result in a maximum of $1,064 to be spent on rental costs.

      California Sales Tax

      State General Sales Tax With Max Surtax
      California 7.25% 10.5%

      California Income Tax

      State Income Tax (Low) Income Tax (High)
      California 1% 13.3%

      Goods & Services

      Item Lodi National avg. Difference
      Haircut $23.42$24.263.5%
      Beauty Salon $49.62$45.568.9%
      Toothpaste $3.64$3.701.6%
      Shampoo $1.50$1.2817.0%
      Movie $13.61$12.1312.2%
      Bowling $22.34$18.0024.1%

      Groceries

      Item Lodi National avg. Difference
      Ground Beef $6.24$5.846.9%
      Fried Chicken $2.10$1.5733.8%
      Milk $4.83$4.673.5%
      Potatoes $4.43$4.9310.3%
      Pizza $16.78$12.0938.8%
      Beer $10.08$10.413.2%

      Health Care

      Item Lodi National avg. Difference
      Optometrist $138.22$125.6810.0%
      Doctor $134.39$135.781.0%
      Dentist $117.52$113.293.7%
      Ibuprofen $10.68$10.650.3%
      Lipitor $494.99$468.605.6%

      Housing

      Item Lodi National avg. Difference
      Home Price $345,400.00$184,700.0087.0%
      Avg. Mortgage Payment $3,173.44$2,346.6935.2%
      Apartment Rent $1,260.00$949.0032.8%

      Transportation

      Item Lodi National avg. Difference
      Gasoline $4.21$3.4621.5%
      Tire Balancing $73.10$59.9222.0%

      Utilities

      Item Lodi National avg. Difference
      All Electricity $327.22$193.9968.7%
      Phone $189.16$192.251.6%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Acampo, CA26111414.2%
      August, CA8,0461109.9%
      Kennedy, CA2,87711010.1%
      Garden Acres, CA10,09611313.3%
      Taft Mosswood, CA1,06011414.2%
      Lodi, CA66,56213131.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Alpharetta, GA66,56613333.2%
      Port Coquitlam, BC66,485n/a 
      Yuba City, CA66,66012323.3%
      Redondo Beach, CA66,663212112.2%
      Tamarac, FL66,4321077.2%
      Lodi, CA66,56213131.2%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.