ZIP Code · CA

ZIP 94520

Part of Concord, CA

Pop. 37,381·Contra Costa County·658th most expensive ZIP in California

Median rent (all units)

$2,401/mo

Year-over-Year

+4.0%

Month-over-Month

+0.5%

vs US Median

+$469

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 94520 · $2,401

More expensive than 77% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,960

1 BR

$2,190

2 BR

$2,670

3 BR

$3,410

4 BR+

$4,050

Research median

$2,670/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

December. Asking rents in ZIP 94520 usually run 1.5% below trend in December and 1% above it in July, about $60 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 94520 is at its highest level since Zillow's records here began in February 2021.

Past year vs. the rest of California

Rent in ZIP 94520 changed +4.0% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Recent direction

Rent has risen 8 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($82,479) is $2,062 a month. That covers HUD's Fair Market Rent for up to a studio ($1,960); a 1-bedroom is $2,190.

Rank in Concord

1st cheapest of 4 ZIP codes in Concord.

From Zillow's monthly rent index (ZORI) for ZIP 94520. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$28,812/yr

At $2,401/mo median

Location

CityConcord

StateCA

CountyContra Costa County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (4.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+4.0% YoY, +0.5% MoM), not inventory.

Demographics

Who lives here

ZIP 94520 (Concord, CA) is majority renter-occupied, 29% of residents hold a bachelor's degree or higher.

Population

37,381

Median income

$82,479

Median age

Renters

62.5%

Age distribution

24.5%

25.5%

29.9%

Under 1824.5%

18–3425.5%

35–5429.9%

55–649.2%

65+11%

Gender

52.6%

47.4%

Male52.6%

Female47.4%

Race & ethnicity

30.9%

51.2%

White30.9%

Black4.6%

Hispanic51.2%

Asian11.9%

Other1.4%

Education (25+)

22%

23.2%

25.8%

29%

No HS diploma22%

HS diploma23.2%

Some college25.8%

Bachelor's+29%

Housing tenure

37.5%

62.5%

Owner37.5%

Renter62.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 94520 in Concord, CA has changed in 5 years

Rent

$2,011 → $2,401

up 19.4%

Income

$71,846 → $82,479

up 14.8%

Population

36,107 → 37,381

up 3.5%

Renter share

66.1% → 62.5%

-3.6 pts

Bachelor's+

28.6% → 29%

+0.4 pts

Median age

34.4 → 35

+0.6 yrs

Since 2021, the typical rent in ZIP 94520 in Concord, CA has increased from $2,011 to $2,401, a 19.4% change over five years. Median household income rose from $71,846 to $82,479 between 2021 and 2024, a 14.8% shift. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 3.5% since 2021, moving from about 36,107 residents to roughly 37,381. Renters now make up 62.5% of households, compared with 66.1% five years ago. Taken together, the five-year picture in ZIP 94520 in Concord, CA reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 94520

Last updated: October 17, 2026

ZIP code 94520 covers Concord, CA. The median rent here is $2,401/mo as of October 2026. A 1-bedroom rents for a median of $2,190/mo. A 2-bedroom rents for a median of $2,670/mo.

At 35% of local median household income ($82,479/yr), ZIP 94520 ranks as moderate compared to the national benchmark of 30%. Rents have increased 4.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 94520?

To keep rent at or below 30% of gross income, you would need to earn at least $96,000/year (about $46/hour full-time) to afford the median rent of $2,401/mo in ZIP 94520. The local median household income is $82,479/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 94520?

Rent in ZIP 94520 has risen 4.0% over the past year as of September 2026. That is the highest level since Zillow's records here began in February 2021.

When is the cheapest time to rent in ZIP 94520?

Asking rents in ZIP 94520 are usually lowest in December, about 1.5% below their yearly trend, and highest in July, about 1% above it. At today's median that is a gap of roughly $60 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 94520 compare to other ZIPs in California?

ZIP 94520 is one of the more affordable among California ZIP codes for rent, ranking #658 of 898 at $2,401/mo. Over the year to September 2026, rent in ZIP 94520 changed +4.0%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.