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Concord city, CA

ZIP 94518 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94518

Median Home Value
$826,500
Median Rent
$2,168
Affordability Snapshot
$228,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,309/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

31.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 94518 in Concord city, CA, a household would need roughly $228,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,309. That is about 105% above the local median household income ($111,406), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
69.2%+6% vs US avg
x
Vacancy Rate
1.4%-87% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
36.5%-27% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$826,500
Home Value
$2,168
Rent
1970
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached62.8%
  • 1-unit attached4.2%
  • 2-9 units10.9%
  • 10+ units14.0%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$826,500
Median rent$2,168
Owner-occupied69.2%
Vacant1.4%
Price-to-income7.4x
Est. income to buy$228,000