94549 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94549 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$1,330,000
Days to Sell
164
Homes Sold
11
Inventory
12
Sale-to-List
99.4%
New Listings
16
Price/SqFt
$936
Pending Sales
13
Jumbo Loan Likely Needed
The median home in 94549 at $1,330,000 exceeds the 2026 conforming loan limit of $1,249,125 by $80,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 164 days on average, 94549 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 94549 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 94549 at $1,330,000 exceeds the 2026 conforming loan limit of $1,249,125 by $80,875. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 94549 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 94549
To purchase the median home at $1,330,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $10,340.
Monthly Payment
$10,340
Income Required
$443,145
Principal & Interest
$8,195/mo
Down Payment (5%)
$66,500
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 94549.
Estimated Monthly Payment
$8,381
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