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 High-density area
- $125,899
- Median income Above-median income area
- $853,200
- Median home value Above-median home value
- 44.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 94521 (Concord, CA) rose +1.1% from 2023 to 2024. The all-transactions index moved from 283.8 in 2023 to 287.0 in 2024 (2000 = 100).
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 average California ZIP), while per-capita income is $59,781. The poverty rate is 5.2%, with unemployment at 6.1%; those measures add context to the income figure. Median home value is $853,200 (10% above the average California ZIP) and median rent is $2,404; 74.3% of occupied homes are owner-occupied.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Contra Costa County, so 94521 can be compared with both its immediate and county-level context.
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.
- 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 + 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
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 ZIP avg
$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
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?
Housing stock: occupied vs vacant
16,451housing units
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 ZIP avg
$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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 94521, both outside CA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (41,249 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Contra Costa County
Related Areas
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.
Related
Take this with you
What to do with ZIP 94521's numbers, next.
- See how ZIP 94521 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Concord, CA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.