Lodi, CA · Updated Oct 2026

What a Lodi home costs each year

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.

Example · a Lodi house

$10,562a year · $880 a month

Starts at the typical market value, $492,500; your assessed value is often lower. Typical use.

Shopping for home insurance?

Insurers charge very different prices for the same house and coverage. California's free premium survey lists each insurer's price.

Compare insurers' prices

A Lodi house at the typical market value ($492,500) costs about $10,600 a year: $5,160 property tax and charges, $1,130 water and sewer, $680 trash, $2,100 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

Switch to the 35 gallon refuse cart cartUp to $207 a year
Your cart costs $57 a month; the smallest costs $39. Worth it if you rarely fill it.
How: Call your garbage hauler.
Lodi Electric discountsLow income 30%, senior 5%, medical 25%
The rate summary lists discounts for eligible customers: Low Income (30%), Senior Fixed Income (5%) and Medical Customers (25%).
How: Call (209) 333-6717 for an application.
Backyard garbage service: $0 rate for qualified disabled customersSaves $18.91 a month
Backyard service is $18.91 a month; the rate schedule lists $0.00 for "Qualified Disabled".
How: Call City of Lodi Public Works at (209) 333-6706 to ask about the Qualified Disabled rate.
100% disabled veterans: property tax exemption$100,000+ off assessed value
The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is available to qualifying claimants; a larger low-income exemption also exists.
How: File the Claim for Disabled Veterans' Property Tax Exemption; the form can be downloaded from the Cal Assessor website.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
Homeowners who are seniors, blind or have a disability can defer current-year property taxes on their home if they have at least 40% equity and household income of $45,000 or less.
How: Call the State Controller at (800) 952-5661 or email postponement@sco.ca.gov.

Adjust to match your bills

What you knowTrash cartRates are for April 1, 2026 through March 31, 2027.

Value before exemptionsSome newer Lodi neighborhoods pay Mello-Roos or assessment charges on the tax bill; not included here. Lodi has no city property tax rate line in the county rate book.

I live here and have the Homeowners' exemption

Home insurance, a yearFrom your policy. We start at $1,492, California statewide average, NAIC data for 2022 as published by the Insurance Information Institute (California figures from the California Department of Insurance).

Earthquake insurance, a yearSeparate from home insurance. Most owners don't have it.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical house uses 7–12.

Electricity, kWh a month

On your Lodi Electric Utility bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 30, 2026in 26 daysLast day of San Joaquin County's 2026 filing period for a formal assessment appeal (a reduction in assessed value), filed with the Clerk of the Board of Supervisors.
Dec 10in 36 daysLast day to pay the first installment of secured property taxes without penalty.
Dec 10in 36 daysLast day to file a homeowners' or veterans' exemption claim and still receive 80% of the exemption.
Feb 15in 103 daysLast day to file the homeowners' exemption for the full year.

Who serves this house

Water: City of Lodi; Monthly base charge by meter size ($23.92 for a 3/4" meter) plus a charge per CCF in three tiers
Property tax: 1.06% of value; 2026-27 tax year, San Joaquin County (tax rate area 099-002)
Garbage: Waste Management (City of Lodi contract); The City contracts with Waste Management for residential garbage collection and recycling; the City also collects a garbage charge.
Sewer: City of Lodi; Sewer service is provided by the City of Lodi within the city limits.
Electricity: Lodi Electric Utility (City of Lodi); Electric service is provided by the City of Lodi within the city limits.
Gas: PG&E; PG&E's gas service territory includes Lodi (ZIP codes 95240, 95241, 95242).

Pay or manage your bills

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How these numbers are made

Garbage: the City's multi-cart refuse rates effective April 1, 2026 through March 31, 2027; 64-gallon cart used as the default.
Water and sewer: the City's Revised July 2026 fee schedule: water $23.92 base for a 3/4-inch meter plus $1.04/$1.45/$1.79 per CCF (tiers 0-11, 11-30, over 30 CCF); sewer $31.24 plus $3.31 per CCF. We assume a metered home (some Lodi homes are still on flat unmetered rates).
Property tax: San Joaquin County's 2026-27 rates for tax rate area 099-002, the Lodi Unified area with the most parcels among those without the 2006 Measure L school facilities bond; areas with that bond (e.g. 003-385) pay 1.0916% instead of 1.0623%. We could not confirm from a published list which tax rate areas lie inside city limits.
Electricity: Lodi Electric Utility residential rates in the City's summary effective July 1, 2024, with the $0.0003 state energy tax added to each tier; tier limits are the average of the winter and summer limits. The monthly Energy Cost Adjustment (ECA) is not included; the City posts it monthly (recent months ran roughly $0.015-$0.062 per kWh), so actual bills are higher or lower.
Gas, insurance and typical use: PG&E G-1 gas rates and EIA/III figures as in neighboring San Joaquin County cities; typical kWh is the EIA residential average for PG&E customers.
Nothing here is legal, tax or insurance advice.

Sources

How Lodi compares

A typical Lodi house against the 285 California cities we cover, using the same default numbers as the total above.

Per year	Lodi	Median	Where it falls
Property tax rate	1.06%	1.13%	lower than 252 of the other 284 California cities we cover
Water	$399	$927	lower than 272 of the other 284 California cities we cover
Sewer and utility-bill fees	$732	$596	higher than 127 of the other 196 California cities we cover
Trash	$680	$452	higher than 236 of the other 267 California cities we cover
Electricity and gas	$2,100	$3,421	lower than 281 of the other 284 California cities we cover
Home insurance	$1,492	$1,492	lower than 1 of the other 272 California cities we cover
Total	$10,562	$14,432	lower than 246 of the other 284 California cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Property tax rate

The fact: Lodi's property tax rate is 1.06%, lower than 252 of the other 284 California cities we cover. The rate adds up every agency on the bill, not only the city.

Ask: "Property tax in Lodi is 1.06%, lower than 252 of the other 284 California cities we cover. What should that money pay for first, and would you change anything about how it is set?"

2. Water

The fact: Water here costs about $399 a year at typical use, lower than 272 of the other 284 California cities we cover.

Ask: "Water here costs about $399 a year at typical use, lower than 272 of the other 284 California cities we cover. What drives that cost, and would you change anything?"

3. Trash

The fact: Trash pickup here costs about $680 a year for the standard cart, higher than 236 of the other 267 California cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $680 a year for the standard cart, higher than 236 of the other 267 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

4. Electricity and gas

The fact: Electricity and gas for a typical house here cost about $2,100 a year, lower than 281 of the other 284 California cities we cover. Rates are set mostly by the utility and the state.

Ask: "Electricity and gas here cost about $2,100 a year for a typical house, lower than 281 of the other 284 California cities we cover. Which parts of that can the city influence, and what would you do about them?"

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Common questions about Lodi house costs

What is the property tax rate in Lodi?

About 1.06% of the value before exemptions a year (2026-27 tax year, San Joaquin County (tax rate area 099-002)), plus flat charges on the same bill.

How much is property tax on a $500,000 house in Lodi?

About $5,237 a year on $500,000 of the value before exemptions with the homeowners' exemption.

How much is the water bill in Lodi?

About $94 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Lodi.

How much does trash pickup cost in Lodi?

$39 to $63 a month, depending on the trash cart size (35 gallon refuse cart, 64 gallon refuse cart, 96 gallon refuse cart).

When is property tax due in Lodi?

Dec 10: Last day to pay the first installment of secured property taxes without penalty. Apr 10: Last day to pay the second installment of secured property taxes without penalty.

Can seniors lower their property tax or bills in Lodi?

Yes. Lodi Electric discounts: The rate summary lists discounts for eligible customers: Low Income (30%), Senior Fixed Income (5%) and Medical Customers (25%).

Where can I get help paying utility bills in Lodi?

100% disabled veterans: property tax exemption: The basic Disabled Veterans' Exemption, also called the $100,000 exemption, is available to qualifying claimants; a larger low-income exemption also exists. File the Claim for Disabled Veterans' Property Tax Exemption; the form can be downloaded from the Cal Assessor website.

How much does a house in Lodi cost to run each year?

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