Lodi, CA · standard
ZIP Code 95240
San Joaquin County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 47,172
- 220/sq mi High-density area
- $82,137
- Median income Near-median income area
- $472,100
- Median home value Above-median home value
- 19.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Lodi pairs an above-median household income with upper-quartile home values, in a low-density, mixed-tenure area.
- Top 35%
- household income, US ZIPs
- Top 15%
- home value, US ZIPs
- 220
- people per sq mi
- 51%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 95240 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 95240 (Lodi, CA) rose +5.7% from 2023 to 2024. The all-transactions index moved from 308.0 in 2023 to 325.5 in 2024 (2000 = 100).
ZIP code 95240 is a densely settled ZIP (a standard USPS delivery area) in Lodi, San Joaquin County, California, with 47,172 residents across 214.2 square miles, a density of 220 people per square mile, in the Los Angeles time zone.
ZIP 95240 lands in the middle-income range, with a median household income of $82,137 (19% below the average California ZIP), while per-capita income is $34,054. The poverty rate is 14.4%, with unemployment at 8.8%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $472,100 (39% below the average California ZIP), and median rent is $1,571; owner occupancy is 51.0%.
Educational attainment sits below the national norm: 19.6% of adults hold a bachelor's degree or higher, the median age is 34.1, and the average commute is 25 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in San Joaquin County, so 95240 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 95240
Top 5 sectors by establishment count in Lodi, CA
Which industries have the most business establishments in ZIP 95240.
- Construction
Construction
154 establishments
- Retail trade
Retail trade
147 establishments
- Health care and social assistance
Health care and social assistance
139 establishments
- Other services (except public administration)
Other services (except public administration)
132 establishments
- Accommodation and food services
Accommodation and food services
128 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 95240, Lodi, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
47,172
Population
214.2
Area (sq mi)
220
People / sq mi
Los Angeles
Time Zone
standard
ZIP Type
Who lives in ZIP 95240?
34.1
Median Age
50.0%
Male
50.0%
Female
25.5%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$82,137
Median Household Income
-19% vs state ZIP avg
$34,054
Per Capita Income
14.4%
Poverty Rate
8.8%
Unemployment Rate
25.3 min
Mean Commute Time
How ZIP 95240 ranks nationally
Lodi, CA household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$82,137 Top 35% higher than 65% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
17,354housing units
17,354
Total Housing Units
16,064
Occupied Units
1,290
Vacant Units
3.07
Avg Household Size
Occupancy Type
$472,100
Median Home Value
-39% vs state ZIP avg
$1,571
Median Rent
1971
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+5.7%
YoY Change (2024)
326
HPI Index (2000 = 100)
+226%
Total Change Since 2000
Home values in ZIP 95240 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +226% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.9% | 236 |
| 2021 | +15.5% | 272 |
| 2022 | +12.5% | 306 |
| 2023 | +0.6% | 308 |
| 2024 | +5.7% | 326 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 1,220 business establishments in ZIP 95240, employing approximately 17,954 people with a combined annual payroll of $1,118,436,000.
1,220
Businesses
17,954
Employees
$1.1B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 154 | 12.6% |
| Retail trade | 147 | 12.1% |
| Health care and social assistance | 139 | 11.4% |
| Other services (except public administration) | 132 | 10.8% |
| Accommodation and food services | 128 | 10.5% |
| Manufacturing | 90 | 7.4% |
| Professional, scientific, and technical services | 84 | 6.9% |
| Transportation and warehousing | 72 | 5.9% |
| Administrative and support and waste management and remediation services | 62 | 5.1% |
| Finance and insurance | 53 | 4.3% |
| Real estate and rental and leasing | 53 | 4.3% |
| Wholesale trade | 48 | 3.9% |
| Arts, entertainment, and recreation | 18 | 1.5% |
| Educational services | 11 | 0.9% |
| Agriculture, forestry, fishing and hunting | 10 | 0.8% |
| Information | 10 | 0.8% |
| Management of companies and enterprises | 6 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 95240 vs 95237 →
ZIP 95240 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95240
Lodi (95240)
47,172 residents
- 95210
Stockton (95210)
39,009 residents
- 95205
Stockton (95205)
38,069 residents
- 95212
Stockton (95212)
25,239 residents
- 95220 7,273
Acampo (95220)
7,273 residents
- 95236 4,223
Linden (95236)
4,223 residents
- 95237 3,167
Lockeford (95237)
3,167 residents
- 95227 941
Clements (95227)
941 residents
What this shows Among its immediate neighbors, ZIP 95240 ranks the most populous - useful context the national average alone can't give.
ZIP 95240 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 95227
Clements (95227)
$150,750 median income
- 95220
Acampo (95220)
$114,637 median income
- 95212
Stockton (95212)
$111,720 median income
- 95236
Linden (95236)
$104,703 median income
- 95237
Lockeford (95237)
$87,117 median income
- 95240
Lodi (95240)
$82,137 median income
- 95210
Stockton (95210)
$67,991 median income
- 95205
Stockton (95205)
$60,325 median income
What this shows By household income, ZIP 95240 ranks #6 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 95240, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (47,172 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in San Joaquin County
Related Areas
Frequently Asked Questions
What county is ZIP code 95240 in?
ZIP code 95240 (Lodi) is located in San Joaquin County, California. San Joaquin County contains multiple ZIP codes, see the full list at /counties/san-joaquin-ca.
What is the population of ZIP code 95240?
ZIP code 95240 in Lodi, CA has a population of 47,172 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 95240?
The median household income in ZIP 95240 is $82,137, which is 8% above the national average of $76,288.
What is the average home value in ZIP 95240?
The median home value in ZIP 95240 is $472,100, which is 70% above the national average of $278,155.
What is the demographic makeup of ZIP 95240?
The largest racial group in ZIP 95240 is White at 38.6%. Hispanic or Latino residents make up 49.4% of the population.
How many businesses are in ZIP code 95240?
ZIP code 95240 has 1,220 business establishments employing approximately 17,954 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 95240?
The top industries by establishment count in ZIP 95240 are: Construction (154), Retail trade (147), Health care and social assistance (139). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 95240?
According to the FHFA House Price Index, home values in ZIP 95240 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 226%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 95240?
In ZIP code 95240, 47.4% of residents aged 25+ have a high school diploma or higher, and 19.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 95240?
The mean commute time for workers in ZIP code 95240 is 25.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 95240?
In ZIP code 95240, approximately 51.0% of occupied housing units are owner-occupied and 49.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 95240?
The poverty rate in ZIP code 95240 is 14.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 95240's numbers, next.
- See how ZIP 95240 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lodi, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.