94551 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94551 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$745,000
Days to Sell
29
Homes Sold
16
Inventory
12
Sale-to-List
99.1%
New Listings
24
Price/SqFt
$538
Pending Sales
15
Conforming Loan Available
Most homebuyers in 94551 can comfortably use conventional financing. The median home price of $745,000 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
Homes in 94551 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 94551 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 94551 can comfortably use conventional financing. The median home price of $745,000 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 94551 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 94551
To purchase the median home at $745,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,858.
Monthly Payment
$5,858
Income Required
$251,055
Principal & Interest
$4,590/mo
Down Payment (5%)
$37,250
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 94551.
Estimated Monthly Payment
$4,761
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94551. Tell us what you're looking for.