94521 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94521 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
91 sales in 2026 (year to date)
Median Sale Price
$880,000
Days to Sell
13
Homes Sold
91
Inventory
46
Sale-to-List
100.6%
New Listings
126
Price/SqFt
$528
Pending Sales
102
Conforming Loan Available
Most homebuyers in 94521 can comfortably use conventional financing. The median home price of $880,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
94521 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 94521 (100.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 94521 can comfortably use conventional financing. The median home price of $880,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 94521 are set at the county level.
2026 Loan Limits — Contra Costa County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 94521
To purchase the median home at $880,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,892.
Monthly Payment
$6,892
Income Required
$295,383
Principal & Interest
$5,422/mo
Down Payment (5%)
$44,000
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 94521.
Estimated Monthly Payment
$5,596
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