ZIP Code 94520 — Concord, CA Home Prices (2026)
The typical home in ZIP 94520 (Concord, California) is worth about $608,000 at roughly $462 per square foot — 19% more affordable than the Concord median and 107% more expensive than the typical U.S. home.
How 94520 compares
ZIP 94520 is one of the more affordable ZIP codes in Concord: its typical home value of $608,000 ranks #4 of the 4 Concord ZIP codes we track (the citywide range runs from $608,000 in 94520 to $846,000 in 94518). Per square foot it costs about $462, against $465 for Concord as a whole, $455 for California, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 94520 | $608,000 | $462 |
| Concord, CA | $752,500 | $465 |
| California | $698,000 | $455 |
| United States | $294,000 | $195 |
Home value by size in 94520
Using this ZIP’s rate of about $462 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $462,000 |
| 1,500 sq ft | $693,000 |
| 2,000 sq ft | $924,000 |
| 2,500 sq ft | $1,155,000 |
| 3,000 sq ft | $1,386,000 |
Salary needed to buy a home in ZIP 94520
To buy the typical $608,000 home in ZIP 94520 with 20% down, you need a household income of roughly $165,000 a year (about $3,860 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $197,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $30,400 | $4,800/mo | $206,000/yr |
| 10% (+PMI) | $60,800 | $4,590/mo | $197,000/yr |
| 20% | $121,600 | $3,860/mo | $165,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 94520
At about $462 per square foot, here is roughly how much home different budgets get you in ZIP 94520:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $300k | 650 sq ft | below the local median — condos, smaller or older homes |
| $400k | 870 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1080 sq ft | around the typical home here |
| $600k | 1300 sq ft | around the typical home here |
| $750k | 1620 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 94520 home.
Estimate a specific home in 94520
The estimator below is pre-set to ZIP 94520 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Concord ZIP codes by home value
Where 94520 sits among Concord’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 94518 | $846,000 | $478 |
| 2 | 94521 | $788,000 | $449 |
| 3 | 94519 | $717,000 | $468 |
| 4 | 94520 (this page) | $608,000 | $462 |
ZIP 94520 home prices: frequently asked
What is the average home price in ZIP code 94520? +
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See the full Concord home values page, all California cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.