94806 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94806 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$629,000
Days to Sell
20
Homes Sold
62
Inventory
32
Sale-to-List
101.3%
New Listings
71
Price/SqFt
$488
Pending Sales
60
Conforming Loan Available
Most homebuyers in 94806 can comfortably use conventional financing. The median home price of $629,000 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 94806 are moving quickly at 20 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 94806 (101.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 94806 can comfortably use conventional financing. The median home price of $629,000 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 94806 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 94806
To purchase the median home at $629,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,969.
Monthly Payment
$4,969
Income Required
$212,966
Principal & Interest
$3,876/mo
Down Payment (5%)
$31,450
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 94806.
Estimated Monthly Payment
$4,043
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