Residential delivery area · California
ZIP Code 94520: Concord, CA
ZIP code 94520 is in Concord, California, entirely in Contra Costa County (Census 2020 ZIP-county file). About 37,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Concord's 4 residential ZIP codes. Median household income is $82,479 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Concord (78%) and Clyde (1%), and 4% in smaller places; 17% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Concord · 4 residential ZIPs
- County
- Contra Costa County
- Census places
- Concord (78%); Clyde (1%) census-designated place
- Neighborhood
- Four Corners GeoNames
- Metro area
- San Francisco-Oakland-Fremont, CA
- House districts
- CA-10 (89%), CA-8 (11%) 119th Congress, by share of land
- State
- California
- Time zone
- Pacific
- Land area
- 9.9 sq mi · 3,787 people per sq mi
Where is ZIP code 94520?
94520 centers on 37.993°, -122.035° and covers 9.9 square miles of land plus 0.0 of water. It borders 5 ZIP codes: 94519, 94518, 94523, 94565, 94553.
The map draws ZIP code areas only. For the streets inside 94520, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 94520 compare with the rest of Concord?
| Measure | 94520 | In Concord | In Contra Costa County | In CA |
|---|---|---|---|---|
| People (ACS 2020-2024) | 37,381 | 2nd of 4 | 14th of 48 | 436th of 1,802 |
| Median household income | $83k | 4th of 4 | 40th of 41 | 799th of 1,189 |
| Median home value | $601k | 4th of 4 | 40th of 43 | 827th of 1,317 |
Its median household income is higher than in 65% of U.S. residential ZIP codes, and it is denser than 91% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 94520?
The 2020 Census counted 38,383 people in 94520; the ACS, which samples households over 2020-2024, estimates 37,381. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 37,381
- 2020 Census count
- 38,383
- Households
- 13,721
- Median age
- 35.0
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 94520?
Of the 37,381 people the ACS estimates in 94520, 24.5% are under 18 and 11.0% are 65 or older. The largest group by race and Hispanic origin is Hispanic or Latino (51.2%), then White (not Hispanic) (27.6%).
- Under 1824.5%
- 18 to 6464.5%
- 65 and older11.0%
- Hispanic or Latino51.2%
- White, not Hispanic27.6%
- Asian, not Hispanic11.8%
- Other or two or more5.2%
- Black, not Hispanic4.2%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 94520 earn?
Median household income is $82,479 (ACS 2020-2024), the 40th highest of the 41 ranked ZIP codes in Contra Costa County.
- Median household income
- $82,479
- Income per person
- $40,315
- Below the poverty line
- 12.2%
- Unemployed (of the labor force)
- 5.7%
- Adults 25+ with a bachelor's degree
- 29.0%
- Adjusted gross income per tax return, 2022
- $75,14616,760 returns; wages 72% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 94520?
FHFA's house price index for 94520, built from repeat sales and appraisals of the same homes, rose 80% from 2015 to 2025 and rose 29% from 2020 to 2025, and moved +1.8% in 2025.
- Median home value (owners' estimate)
- $601,000
- Median gross rent
- $2,197
- Homes owned by their occupants
- 37.5%
- Housing units
- 14,085
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 94520?
2,028 business establishments had a location in this ZIP code in 2023, 13 fewer than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade284
- Construction221
- Health care and social assistance221
- Accommodation and food services209
- Professional, scientific, and technical services195
- Other services (except public administration)174
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 94520?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 94519 | Concord | 19,058 | $122k | 1.3 mi |
| 94518 | Concord | 27,345 | $112k | 3.0 mi |
| 94523 | Pleasant Hill | 34,592 | $143k | 3.5 mi |
| 94565 | Pittsburg | 100,488 | $96k | 5.9 mi |
| 94553 | Martinez | 48,643 | $124k | 6.7 mi |
| 94521 | Concord | 41,909 | $126k | 4.5 mi (near) |
| 94598 | Walnut Creek | 27,206 | $186k | 5.4 mi (near) |
| 94597 | Walnut Creek | 23,129 | $132k | 5.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.