94595 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94595 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$1,604,500
Days to Sell
9
Homes Sold
22
Inventory
5
Sale-to-List
102.6%
New Listings
26
Price/SqFt
$833
Pending Sales
23
Jumbo Loan Likely Needed
The median home in 94595 at $1,604,500 exceeds the 2026 conforming loan limit of $1,249,125 by $355,375. 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
94595 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 94595 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 94595 at $1,604,500 exceeds the 2026 conforming loan limit of $1,249,125 by $355,375. 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 94595 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 94595
To purchase the median home at $1,604,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,443.
Monthly Payment
$12,443
Income Required
$533,279
Principal & Interest
$9,886/mo
Down Payment (5%)
$80,225
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 94595.
Estimated Monthly Payment
$10,080
Jumbo loan required. Loan amount exceeds the $1,249,125 conforming limit for 94595.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94595. Tell us what you're looking for.