94582 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94582 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$1,922,500
Days to Sell
11
Homes Sold
72
Inventory
70
Sale-to-List
99.1%
New Listings
139
Price/SqFt
$699
Pending Sales
74
Jumbo Loan Likely Needed
The median home in 94582 at $1,922,500 exceeds the 2026 conforming loan limit of $1,249,125 by $673,375. 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
94582 is an extremely competitive market with homes selling in just 11 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 94582 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 94582 at $1,922,500 exceeds the 2026 conforming loan limit of $1,249,125 by $673,375. 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 94582 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 94582
To purchase the median home at $1,922,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $14,880.
Monthly Payment
$14,880
Income Required
$637,696
Principal & Interest
$11,846/mo
Down Payment (5%)
$96,125
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 94582.
Estimated Monthly Payment
$12,048
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94582.
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