94556 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94556 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$1,975,000
Days to Sell
13
Homes Sold
34
Inventory
18
Sale-to-List
102.5%
New Listings
56
Price/SqFt
$808
Pending Sales
44
Jumbo Loan Likely Needed
The median home in 94556 at $1,975,000 exceeds the 2026 conforming loan limit of $1,249,125 by $725,875. 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
94556 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 in 94556 are selling 2.5% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94556 at $1,975,000 exceeds the 2026 conforming loan limit of $1,249,125 by $725,875. 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 94556 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 94556
To purchase the median home at $1,975,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $15,282.
Monthly Payment
$15,282
Income Required
$654,935
Principal & Interest
$12,169/mo
Down Payment (5%)
$98,750
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 94556.
Estimated Monthly Payment
$12,373
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94556.
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