94507 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94507 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$2,700,000
Days to Sell
10
Homes Sold
55
Inventory
24
Sale-to-List
103.7%
New Listings
82
Price/SqFt
$931
Pending Sales
61
Jumbo Loan Likely Needed
The median home in 94507 at $2,700,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,450,875. 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
94507 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94507 are selling 3.7% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94507 at $2,700,000 exceeds the 2026 conforming loan limit of $1,249,125 by $1,450,875. 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 94507 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 94507
To purchase the median home at $2,700,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $20,837.
Monthly Payment
$20,837
Income Required
$892,995
Principal & Interest
$16,637/mo
Down Payment (5%)
$135,000
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 94507.
Estimated Monthly Payment
$16,860
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94507.
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