Real Estate Investing in Lodi, New Jersey (07644)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 07644 (Lodi, NJ)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
What’s happening in Lodi, NJ (07644)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 07644 Lodi
Not every below-median market is a bargain. Lodi's 07644 ZIP stands at signals that favor experienced operators who can absorb the risk $636K pricing implies.
The 07644 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
ZIP 07644's metrics run below Bergen County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Resident income in 07644 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Lodi's stable or hybrid ZIPs before stepping into 07644. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Lodi:
Property Strategy for 07644
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $515,742 | $2,200 | 3.1% | +7.6% | $257,871 |
| 3BR | $606,816 | $2,680 | 3.2% | +8.5% | $202,272 |
| 4BR | $635,358 | $3,420 | 3.9% | +8.6% | $158,840 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 07644 Compare?
| Metric | 07644 | Lodi | New Jersey |
|---|---|---|---|
| Home Value | $635,606 | $635,606 | $559,826 |
| 5-Year CAGR | 6.2% | 6.2% | 8.4% |
| Avg Rent | $2,365 | $2,365 | - |
| Cap Rate | 2.9% | 2.9% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 07644 (Lodi, NJ). Anonymous, moderated, never written by AI.
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Property managers serving Bergen County
Manage rentals here? List your business →First National Realty Management, LLC offers tenant services including registration, maintenance requests, and notary services. summary from their website
MEM Property Management Corporation offers property management, construction, collection, and insurance services, helping clients enjoy their homes. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $635,606 |
| Monthly Rent | $2,365 |
| Price-to-Rent | 22.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 9.1% |
📈 Home Appreciation
| 1-Year | +7.3% ▲ |
| 3-Year CAGR | +7.0% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 10-Year CAGR | +6.9% ▲ |
🏠 Rent Trends
| 1-Year | +1.6% ▲ |
| 3-Year CAGR | +5.0% ▲ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 07644
Population: 25,946
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 07644
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Abraham Lincoln School #6
Bergen County Technical High School - Teterboro
Christopher Columbus School #8
E. Roy Bixby
Ellen Ochoa School Number 22
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the rental occupancy rate in Lodi, NJ?
Lodi, NJ carries elevated vacancy risk. Expect predictable absorption at market rents of $2,365/mo.
What is the average monthly rent in Lodi, NJ?
Rental rates in Lodi, NJ average $2,365/mo. Tenant demand and $636K home values make the yield look reasonable by investor standards.
Does house hacking make sense in Lodi, NJ?
House hacking in Lodi, NJ is a challenging. With home values around $636K and rents at $2,365/mo, owner-occupants can offset a meaningful share of PITI.
How expensive is real estate in Lodi, NJ?
Typical homes in Lodi, NJ go for around $636K. The 5-year CAGR of 0.0% predictable price movement.
What kind of market is Lodi, NJ for investors?
The 3.0/5 investability rating in Lodi, NJ reflects its $636K prices and $2,365/mo rents. Investors generally consider it a solid option within NJ.
You know 07644 now. You don’t know where it ranks.
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