PlainZIP

Concord, CA · standard

ZIP Code 94521

Contra Costa County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

41,249
1,228/sq mi
$125,899
Median income
$853,200
Median home value
44.6%
Bachelor's or higher

The verdict

Concord pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 8%
household income, US ZIPs
Top 4%
home value, US ZIPs
1,228
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94521 against every reporting US ZIP.

ZIP code 94521 is a densely settled ZIP (a standard USPS delivery area) in Concord, Contra Costa County, California, with 41,249 residents across 33.6 square miles, a density of 1,228 people per square mile, in the Los Angeles time zone.

ZIP 94521 skews affluent, with a median household income of $125,899 (24% above the California average), while per-capita income is $59,781. Local economic indicators show a 5.2% poverty rate alongside 6.1% unemployment. Median home value sits at $853,200 (10% above the state average), median rent at $2,404 a month, and owner-occupancy at 74.3%.

A solid share of residents have a four-year degree: 44.6% of adults hold a bachelor's degree or higher, the median age is 42.9, and the average commute is 34 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Contra Costa County, so you can benchmark 94521 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 94521

Top 5 sectors by establishment count in Concord, CA

Which industries have the most business establishments in ZIP 94521.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 94521, Concord, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

41,249

Population

33.6

Area (sq mi)

1,228

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 94521?

42.9

Median Age

50.0%

Male

50.0%

Female

17.9%

Foreign-Born

White 54.1%
African American 5.8%
Asian 15.4%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.3%
Two or More Ethnicities 17.6%
Hispanic or Latino 18.2%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$125,899

Median Household Income

+24% vs state

$59,781

Per Capita Income

5.2%

Poverty Rate

6.1%

Unemployment Rate

34.0 min

Mean Commute Time

How ZIP 94521 ranks nationally

Concord, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$125,899 Top 8% higher than 92% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 63.9%
Bachelor's Degree or Higher 44.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

16,451

Total Housing Units

15,938

Occupied Units

513

Vacant Units

2.60

Avg Household Size

Occupancy Type

Owner 74.3%
Renter 25.7%

$853,200

Median Home Value

+10% vs state

$2,404

Median Rent

1974

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+1.1%

YoY Change (2024)

287

HPI Index (2000 = 100)

+187%

Total Change Since 2000

Home values in ZIP 94521 have increased 1.1% over the past year (2024). Since 2000, this ZIP has seen +187% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.0% 226
2021 +13.6% 257
2022 +10.2% 283
2023 +0.2% 284
2024 +1.1% 287

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 655 business establishments in ZIP 94521, employing approximately 5,659 people with a combined annual payroll of $261,321,000.

655

Businesses

5,659

Employees

$261.3M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Construction 110 16.8%
Health care and social assistance 94 14.3%
Professional, scientific, and technical services 75 11.4%
Other services (except public administration) 75 11.4%
Accommodation and food services 64 9.8%
Retail trade 55 8.4%
Administrative and support and waste management and remediation services 55 8.4%
Real estate and rental and leasing 34 5.2%
Finance and insurance 18 2.8%
Educational services 17 2.6%
Transportation and warehousing 16 2.4%
Wholesale trade 14 2.1%
Arts, entertainment, and recreation 12 1.8%
Manufacturing 8 1.2%
Information 6 0.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 94521 vs 94518 →

ZIP 94521 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 94521 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 94521 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 94521 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
94518 Concord, CA 26,778 3.6 mi
94519 Concord, CA 18,453 3.8 mi
94598 Walnut Creek, CA 25,818 4.5 mi
94565 Pittsburg, CA 84,641 4.9 mi
94528 Diablo, CA 964 7.6 mi
94523 Pleasant Hill, CA 33,569 6.5 mi
94520 Concord, CA 37,208 5.3 mi
94517 Clayton, CA 12,385 6.2 mi
94596 Walnut Creek, CA 20,037 6.4 mi
94597 Walnut Creek, CA 20,277 6.8 mi

More ZIP Codes in Contra Costa County

94565 standard
Pittsburg, CA
Pop: 84,641
94509 standard
Antioch, CA
Pop: 62,439
94806 standard
San Pablo, CA
Pop: 59,861
94513 standard
Brentwood, CA
Pop: 54,605
94553 standard
Martinez, CA
Pop: 47,065
94531 standard
Antioch, CA
Pop: 40,290

Related Areas

Contra Costa County Concord, CA California

Frequently Asked Questions

What county is ZIP code 94521 in? ▼
ZIP code 94521 (Concord) is located in Contra Costa County, California. Contra Costa County contains multiple ZIP codes, see the full list at /counties/contra-costa-ca.
What is the population of ZIP code 94521? ▼
ZIP code 94521 in Concord, CA has a population of 41,249 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 94521? ▼
The median household income in ZIP 94521 is $125,899, which is 65% above the national average of $76,288.
What is the average home value in ZIP 94521? ▼
The median home value in ZIP 94521 is $853,200, which is 207% above the national average of $278,155.
What is the demographic makeup of ZIP 94521? ▼
The largest racial group in ZIP 94521 is White at 54.1%. Hispanic or Latino residents make up 18.2% of the population.
How many businesses are in ZIP code 94521? ▼
ZIP code 94521 has 655 business establishments employing approximately 5,659 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 94521? ▼
The top industries by establishment count in ZIP 94521 are: Construction (110), Health care and social assistance (94), Professional, scientific, and technical services (75). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 94521? ▼
According to the FHFA House Price Index, home values in ZIP 94521 increased by 1.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 187%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 94521? ▼
In ZIP code 94521, 63.9% of residents aged 25+ have a high school diploma or higher, and 44.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 94521? ▼
The mean commute time for workers in ZIP code 94521 is 34.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 94521? ▼
In ZIP code 94521, approximately 74.3% of occupied housing units are owner-occupied and 25.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 94521? ▼
The poverty rate in ZIP code 94521 is 5.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.