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 classified by USPS as a standard delivery area and covers roughly 33.6 square miles in Concord, Contra Costa County, California. The area is home to 41,249 residents, producing a population density of 1,228 people per square mile, and falls within the Los Angeles time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 94521 against California and the nation.
On the economic side, the median household income for ZIP 94521 sits at $125,899 (24% above the California average), while per-capita income is $59,781. The poverty rate stands at 5.2% and the unemployment rate at 6.1%. On housing, the median home value is $853,200 (10% above the state average) with median rent at $2,404 per month, and 74.3% of occupied units are owner-occupied, a direct signal of whether 94521 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 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 is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 94521
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 94521.
- Construction
Construction
110 establishments
- Health care and social assistance
Health care and social assistance
94 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
75 establishments
- Other services (except public administration)
Other services (except public administration)
75 establishments
- Accommodation and food services
Accommodation and food services
64 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 94521?
42.9
Median Age
50.0%
Male
50.0%
Female
17.9%
Foreign-Born
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
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
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?
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
$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.
- 94565
Pittsburg (94565)
84,641 residents
- 94521
Concord (94521)
41,249 residents
- 94520
Concord (94520)
37,208 residents
- 94523 33,569
Pleasant Hill (94523)
33,569 residents
- 94518 26,778
Concord (94518)
26,778 residents
- 94598 25,818
Walnut Creek (94598)
25,818 residents
- 94597 20,277
Walnut Creek (94597)
20,277 residents
- 94596 20,037
Walnut Creek (94596)
20,037 residents
- 94519 18,453
Concord (94519)
18,453 residents
What this shows Among its immediate neighbors, ZIP 94521 ranks #2 by population — useful context the national average alone can't give.
ZIP 94521 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 94528
Diablo (94528)
$207,500 median income
- 94598
Walnut Creek (94598)
$186,225 median income
- 94517
Clayton (94517)
$168,921 median income
- 94523
Pleasant Hill (94523)
$142,586 median income
- 94596
Walnut Creek (94596)
$135,635 median income
- 94597
Walnut Creek (94597)
$132,063 median income
- 94521
Concord (94521)
$125,899 median income
- 94519
Concord (94519)
$122,418 median income
- 94518
Concord (94518)
$112,094 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.
| 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
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Frequently Asked Questions
What county is ZIP code 94521 in? ▼
What is the population of ZIP code 94521? ▼
What is the median household income in ZIP 94521? ▼
What is the average home value in ZIP 94521? ▼
What is the demographic makeup of ZIP 94521? ▼
How many businesses are in ZIP code 94521? ▼
What are the main industries in ZIP code 94521? ▼
How have home values changed in ZIP code 94521? ▼
What is the education level in ZIP code 94521? ▼
What is the average commute time in ZIP 94521? ▼
What percentage of residents own vs. rent in ZIP 94521? ▼
What is the poverty rate in ZIP code 94521? ▼
ZIP Code Research Guides
Official Data Resources for Concord, CA
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.