Lodi, San Joaquin County, California Property Taxes
Property Taxes in Lodi, California
Median Lodi, California effective property tax rate: 1.08%, significantly lower than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Lodi, California home value: $307,845
Median annual Lodi, California tax bill: $3,337, $937 higher than the national median property tax bill of $2,400.
How are property taxes in San Joaquin calculated?
Property taxes in Lodi, California are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Lodi's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lodi, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Lodi, San Joaquin County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.08%
Estimate Property Tax Bill
$3,325
$3,085
How Does the Lodi Property Tax Calculator Work?
Use this Lodi property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Lodi's median effective tax rate of 1.08% — based on actual property records in San Joaquin County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Lodi's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Lodi: rates range from $2,743.00 in 95240 to $4,017.00 in 95242, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Lodi.
About Lodi Property Taxes
About Property Taxes in Lodi, San Joaquin, California
Lodi’s median effective property tax rate of 1.08% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the San Joaquin County base levy combined with local school district levies and Mello-Roos Community Facility Districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Lodi. Homeowners in ZIP code 95240 carry a median effective rate of 1.08%, while those in 95242 pay 1.08%. Even when the rate is the same, tax bills can vary widely: the median bill is $2,743 in 95240 and $4,017 in 95242. That difference reflects how school district boundaries and local assessment districts are drawn across San Joaquin County.
Lodi homeowners who believe their assessed value is too high can file a formal appeal with the San Joaquin County Tax Assessor before November 30, 2026.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Lodi, San Joaquin County, California
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Lodi's effective property tax rate to other cities in California and the median property tax rates in California and the U.S.
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Lodi Tax Rate
1.08%
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective San Joaquin County Tax Rate
1.23%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Lodi, San Joaquin County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95240 | 1.04% | 1.06% | 1.08% | 1.09% | 1.12% |
| 95242 | 1.04% | 1.06% | 1.08% | 1.08% | 1.18% |
| 95219 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Lodi, San Joaquin County, California
When examining property taxes in Lodi, California, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The San Joaquin County assessor estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In San Joaquin County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Lodi.
For example, the median home price in Lodi is $307,845, with tax bills ranging significantly across the county. 95242 has the highest median home price at $374,194.
Property Tax Assessment Values Across Lodi, San Joaquin County, California
Source: Ownwell
$106,154
$446,268
$786,381
Median Lodi Market Value
$307,845
Median San Joaquin County Market Value
$320,162
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across Lodi, San Joaquin County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95240 | $93,875 | $157,784 | $253,324 | $388,212 | $509,390 |
| 95242 | $145,035 | $239,799 | $374,194 | $524,109 | $660,709 |
| 95219 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Lodi, San Joaquin County, California
How are property tax bills calculated in Lodi?
Property tax bills in Lodi are based on the assessed value of a home, which is tied to the market value of the property and the local tax rate. For a home with a median value of $307,845, the bill can vary widely depending on the neighborhood and the specific tax district. The 25th percentile tax bill is $2,033, while the 75th percentile reaches $4,986, showing how much location and assessed value can affect what homeowners pay.
What factors affect a homeowner’s bill?
Several factors influence the final amount, including the home’s assessed value, local levies, and any exemptions or special assessments that apply. In Lodi, the highest median tax bill is $4,017 in ZIP code 95242, while the lowest median tax bill is $2,743 in ZIP code 95240. These differences show that two similar homes can face very different property tax bills depending on where they are located.
How does this affect homeowners?
Because property taxes are a recurring cost, a higher assessed value can mean a larger annual bill and a bigger impact on household budgets.
Median Lodi Tax Bill
$3,337
Median San Joaquin County Tax Bill
$4,013
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across Lodi, San Joaquin County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95240 | $996 | $1,693 | $2,743 | $4,217 | $5,639 |
| 95242 | $1,576 | $2,576 | $4,017 | $5,788 | $7,391 |
| 95219 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | November 30 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | December 10 |
| Due Date #2 | April 10 |
Links | |
|---|---|
| San Joaquin Tax Assessor | |
| Website | common3.mptsweb.com |