94525 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94525 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$700,000
Days to Sell
43
Homes Sold
15
Inventory
10
Sale-to-List
97.7%
New Listings
13
Price/SqFt
$371
Pending Sales
16
Conforming Loan Available
Most homebuyers in 94525 can comfortably use conventional financing. The median home price of $700,000 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
94525's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 94525 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 94525 can comfortably use conventional financing. The median home price of $700,000 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 94525 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 94525
To purchase the median home at $700,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,513.
Monthly Payment
$5,513
Income Required
$236,279
Principal & Interest
$4,313/mo
Down Payment (5%)
$35,000
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 94525.
Estimated Monthly Payment
$4,482
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