ZIP Code · CA

ZIP 94521

Part of Concord, CA
Pop. 41,909·Contra Costa County·380th most expensive ZIP in California
Median rent (all units)
$2,912/mo
Year-over-Year
+2.5%
Month-over-Month
+0.1%
vs US Median
+$980
Reported rents
Stable (Monthly)
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Most AffordableMost Expensive
ZIP 94521 · $2,912
More expensive than 89% of US ZIP codes · National median $1,932/mo
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Medians by bedroom

Rent by unit size

Studio
$2,170
1 BR
$2,420
2 BR
$2,950
3 BR
$3,770
4 BR+
$4,470
Research median
$2,950/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

March. Asking rents in ZIP 94521 usually run 0.7% below trend in March and 0.9% above it in August, about $47 a month apart at today's median. Based on 9 years of data.

Compared with the peak

Rent in ZIP 94521 is at its highest level since Zillow's records here began in April 2017.

Past year vs. the rest of California

Rent in ZIP 94521 changed +2.5% over the year to September 2026. Across the 819 California ZIP codes Zillow tracks, the typical change was +3.2%.

Rent vs. income since 2019

From 2019 to 2024, rent in ZIP 94521 rose 20.9% while median household income rose 17.7% ($106,938 to $125,899). Rent outpaced income.

Since before the pandemic

Rent in ZIP 94521 is 29% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 7 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($125,899) is $3,147 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,950); a 3-bedroom is $3,770.

Rank in Concord

3rd cheapest of 4 ZIP codes in Concord.

Cheaper nearby

ZIP 94565, 5 miles away, rents for 17% less ($2,429/mo), about $5,800 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 94521. 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
$34,944/yr
At $2,912/mo median
Location
StateCA
CountyContra Costa County
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (2.5% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+2.5% YoY, +0.1% MoM), not inventory.
Demographics

Who lives here

ZIP 94521 (Concord, CA) is majority owner-occupied, has a median income above the national average, 44.6% of residents hold a bachelor's degree or higher.

Population
41,909
Median income
$125,899
Median age
42.9
Renters
25.7%
Age distribution
19.3%
19.2%
26.3%
16%
19.2%
Under 1819.3%
18–3419.2%
35–5426.3%
55–6416%
65+19.2%
Gender
50%
50%
Male50%
Female50%
Race & ethnicity
54.1%
18.2%
15.4%
White54.1%
Black5.8%
Hispanic18.2%
Asian15.4%
Other6.6%
Education (25+)
19.3%
30.8%
44.6%
No HS diploma5.3%
HS diploma19.3%
Some college30.8%
Bachelor's+44.6%
Housing tenure
74.3%
25.7%
Owner74.3%
Renter25.7%

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

2021 vs 2026

How ZIP 94521 in Concord, CA has changed in 5 years

Rent
$2,403 → $2,912
up 21.2%
Income
$112,030 → $125,899
up 12.4%
Population
42,388 → 41,909
down 1.1%
Renter share
26.7% → 25.7%
-1.0 pts
Bachelor's+
41.7% → 44.6%
+2.9 pts
Median age
42.2 → 42.9
+0.7 yrs

The median rent in ZIP 94521 in Concord, CA stood at $2,403 in 2021 and currently runs about $2,912, reflecting a 21.2% increase over the period. Household income in the area moved from $112,030 to $125,899 across the same window, up 12.4% versus 2021. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has contracted by 1.1% since 2021, moving from about 42,388 residents to roughly 41,909. College-educated residents now make up 44.6% of adults here, versus 41.7% in 2021. Reading these numbers side by side helps frame whether current listings in ZIP 94521 in Concord, CA look reasonable against where the market sat half a decade ago.

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Local insights

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About renting in ZIP 94521

Last updated: October 17, 2026

ZIP code 94521 covers Concord, CA. The median rent here is $2,912/mo as of October 2026. A 1-bedroom rents for a median of $2,420/mo. A 2-bedroom rents for a median of $2,950/mo.

At 28% of local median household income ($125,899/yr), ZIP 94521 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.5% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 94521?

To keep rent at or below 30% of gross income, you would need to earn at least $116,000/year (about $56/hour full-time) to afford the median rent of $2,912/mo in ZIP 94521. The local median household income is $125,899/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 94521?

Rent in ZIP 94521 has risen 2.5% over the past year as of September 2026. That is the highest level since Zillow's records here began in April 2017.

When is the cheapest time to rent in ZIP 94521?

Asking rents in ZIP 94521 are usually lowest in March, about 0.7% below their yearly trend, and highest in August, about 0.9% above it. At today's median that is a gap of roughly $47 a month. This pattern comes from 9 years of Zillow rent data.

Has rent outpaced income in ZIP 94521?

Yes. From 2019 to 2024, rent in ZIP 94521 rose 20.9% while median household income rose 17.7%, from $106,938 to $125,899. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does ZIP 94521 compare to other ZIPs in California?

ZIP 94521 is in the middle among California ZIP codes for rent, ranking #380 of 898 at $2,912/mo. Over the year to September 2026, rent in ZIP 94521 changed +2.5%, against a typical +3.2% across the 819 California ZIP codes Zillow tracks.

How does ZIP 94521 compare to the rest of Concord?

At $2,912/mo, ZIP 94521 is $343 above the Concord citywide median of $2,569/mo. It is the 3rd cheapest of 4 ZIP codes in Concord.
Income Affordability
28%
AFFORDABLE

At $2,912/mo, rent takes ~28% of ZIP 94521's median household income ($125,899/yr). The standard benchmark is 30%.

ZIP 94521 28%Benchmark 30%
State income tax1–13.3%
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Schools nearby

Public schools near ZIP 94521 (Concord, CA)

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