94804 — Contra Costa County, California Market Snapshot
Housing market data for zip code 94804 in Contra Costa County, California. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$600,000
Days to Sell
24
Homes Sold
83
Inventory
61
Sale-to-List
105.9%
New Listings
120
Price/SqFt
$500
Pending Sales
107
Conforming Loan Available
Most homebuyers in 94804 can comfortably use conventional financing. The median home price of $600,000 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
Homes in 94804 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 94804 are selling 5.9% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 94804 can comfortably use conventional financing. The median home price of $600,000 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 94804 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 94804
To purchase the median home at $600,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,747.
Monthly Payment
$4,747
Income Required
$203,443
Principal & Interest
$3,697/mo
Down Payment (5%)
$30,000
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 94804.
Estimated Monthly Payment
$3,863
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