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Concord city, CA

ZIP 94521 — 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 94521

Median Home Value
$823,100
Median Rent
$2,202
Affordability Snapshot
$227,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,287/mo PITI).

21%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

31.1 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 94521 in Concord city, CA, a household would need roughly $227,000 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 $5,287. That is about 78% above the local median household income ($127,312), 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
73.3%+12% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
24.4%-36% vs US avg
x
$823,100
Home Value
$2,202
Rent
1974
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached66.9%
  • 1-unit attached9.1%
  • 2-9 units10.6%
  • 10+ units13.2%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$823,100
Median rent$2,202
Owner-occupied73.3%
Vacant3.0%
Price-to-income6.5x
Est. income to buy$227,000