94597 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94597 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$1,098,741
Days to Sell
22
Homes Sold
68
Inventory
52
Sale-to-List
100.8%
New Listings
98
Price/SqFt
$591
Pending Sales
75
Conforming Loan Available
The median home in 94597 at $1,098,741 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 94597 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 94597 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 94597 at $1,098,741 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 94597 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 94597
To purchase the median home at $1,098,741 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,568.
Monthly Payment
$8,568
Income Required
$367,209
Principal & Interest
$6,770/mo
Down Payment (5%)
$54,937
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 94597.
Estimated Monthly Payment
$6,950
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 94597. Tell us what you're looking for.