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Population & Demographics

ZIP Code 94520 has 38,383 residents and 13,368 households (average 2.84 persons per household). The median age is 35.0 years, slightly younger than the state (37.5) and younger than the nation (38.8). The gender split is 50.9% male and 49.1% female, which is slightly higher than the national male share (49.1%), making this a male-majority area. Largest groups are Hispanic or Latino (48.5%) and White (32.1%, much lower than the state average of 41.2% and well below the national average of 61.6%); Hispanic or Latino residents make up 48.5%, which is much higher than the national average (18.7%), and Other / Two or More Races share is much higher than the national average (8.4%).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2023 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	38,383Source: Census DHC
2023 ACS Population Estimate:	36,767Source: Census ACS
2025 ZC Population Estimate:	39,052Source: ZIP-Codes.com
Population Density:	3,888.1 people per sq mile
Average Income:	$79,790Source: Census ACS

Households:	13,368Source: Census DHC
Average House Value:	$572,400Source: Census ACS
Persons Per Household:	2.84Source: Census DHC
Average Family Size:	3.39Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 94520 population estimates from 2011-2023, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Census ACS Population Estimate	--	36,321	37,477	37,489	38,743	39,484	39,535	39,027	38,568	38,753	38,709	36,107	36,699	36,767
Decennial Census	37,208	--	--	--	--	--	--	--	--	--	38,383	--	--	--

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 35

Male Median Age: 34.6

Female Median Age: 35.6

Line chart for ZIP 94520 showing total, male, and female population by age group. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	< 5	5-9	10-14	15-19	20-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
Male	1,240	1,218	1,321	1,271	1,373	1,651	1,862	1,838	1,505	1,251	1,103	1,089	897	754	545	288	169	178
Female	1,233	1,207	1,189	1,062	1,189	1,594	1,747	1,513	1,385	1,145	1,039	1,053	1,008	814	606	399	256	391
Total	2,473	2,425	2,510	2,333	2,562	3,245	3,609	3,351	2,890	2,396	2,142	2,142	1,905	1,568	1,151	687	425	569

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 94520. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	12,305	24.10%
Black:	1,950	3.82%
Hispanic:*	18,606	36.44%
Asian:	5,332	10.44%
American Indian:	691	1.35%
Hawaiian:	313	0.61%
Other:	11,866	23.24%
Total:	51,063	100%

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 94520. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	19,553	50.94%	34.6 years
Females:	18,830	49.06%	35.6 years
Total:	38,383	100%	35.0 years

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Nativity & Citizenship

Pie chart showing nativity in ZIP 94520. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	23,341	63.48%
Native, born in PR, Island Areas, or abroad:	379	1.03%
Foreign born, naturalized U.S. citizen:	4,663	12.68%
Foreign born, not a U.S. citizen:	8,384	35.49%
Total Population:	36,767	100%
Total Native Population:	23,720	64.51%
Total Foreign-born Population:	13,047	35.49%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

In 2023, the Median household income is $79,790, which is well under the state median ($96,334), is up $33,225 (71.4%) since 2011 and above its 2019 pre-pandemic level by $19,138. Family households earn a median of $88,641 versus $57,479 for nonfamily households (a difference of $31,162). By gender, male median income is $67,586 and female is $58,828, which is considerably higher than the national female median ($53,445), with a current gap of $8,758 that has widened from 2011 to 2023. The labor-force participation rate is 69.3%, which is higher than the national rate (63.5%). The unemployment rate is 5.0%, which is below the state rate (6.4%). The largest occupation group is Management (32.8%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line chart showing median income in ZIP 94520 from 2011-2023 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Household Income	$46,565	$48,116	$47,313	$47,656	$47,048	$51,096	$52,082	$57,252	$60,652	$68,756	$71,846	$77,927	$79,790
Median Family Income	$46,974	$48,517	$49,013	$49,500	$49,254	$52,333	$54,004	$58,738	$62,500	$72,900	$80,131	$86,035	$88,641
Median NonFamily Income	$38,696	$42,071	$38,750	$37,404	$36,241	$36,529	$35,785	$45,382	$48,907	$56,870	$52,164	$56,927	$57,479
Median Male Income	$37,517	$36,425	$35,855	$37,142	$37,140	$38,750	$41,196	$43,100	$48,207	$53,331	$60,541	$65,594	$67,586
Median Female Income	$37,533	$40,231	$41,738	$41,386	$39,792	$40,229	$42,473	$43,686	$44,549	$49,566	$52,453	$56,081	$58,828

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 94520, city of Concord, Contra Costa County, state of California, and United States national values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 94520, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	18,947	65.87%
Unemployed:	991	3.45%
Not In Labor Force:	8,828	30.69%
Total:	28,766	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	6,213	32.79%
Service:	6,003	31.68%
Sales and Office:	2,819	14.88%
Natural resources, construction, and maintenance:	2,050	10.82%
Production, transportation, and material moving:	1,862	9.83%
Total Civilian Employed Population:	18,947	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In 2023, the median home value is $572,400, which is considerably higher than the national median ($303,400), is up $303,600 (112.95%) since 2011 and above its 2019 pre-pandemic level by $154,000. The median gross rent is $2,118, which is considerably higher than the national median ($1,348), is up $1,003 (89.96%) since 2011 and above its 2019 pre-pandemic level by $543. Of occupied housing, owners make up 37.39% (70.63% with a mortgage, 29.37% free-and-clear) and renters 62.61% - making this ZIP Code less home ownership than the state and higher than national rental averages. The vacancy rate is 2.74%, which is far lower than the national rate (10.43%).

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 94520, compared with Concord, Contra Costa County, state of California, and the U.S. National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 94520 across years 2011-2023 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Home Value	$268,800	$256,600	$249,400	$261,900	$270,100	$295,000	$324,600	$375,500	$418,400	$451,000	$480,300	$571,400	$572,400

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 94520, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	124	1.49%
$500 to $999:	399	4.80%
$1,000 to $1,499:	946	11.37%
$1,500 to $1,999:	1,974	23.73%
$2,000 to $2,499:	3,003	36.10%
$2,500 to $2,999:	925	11.12%
$3,000 or more:	935	11.24%
No Rent:	13	0.16%
Total:	8,319	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 94520 over the years 2011-2023 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Rent	$1,115	$1,150	$1,164	$1,191	$1,195	$1,262	$1,343	$1,461	$1,575	$1,675	$1,840	$2,028	$2,118

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 94520. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	3,509	26.41%
Owner Occupied (free and clear, no mortgage):	1,459	10.98%
Renter Occupied:	8,319	62.61%
Total Occupied Housing Units:	13,287	100%

Occupied Housing Units:	13,287	97.26%
Vacant Housing Units (not graphed):	374	2.74%
Total Housing Units:	13,661	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 94520. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	5,534	40.51%
Multi-Family Units:	7,591	55.57%
Other Units:	536	3.92%
Total Housing Units:	13,661	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

In 2023, 29.90% of adults (25+) have a bachelor's degree or higher, which is markedly below the state rate (36.50%). High school or higher is 79.00%, which is far lower than the national rate (89.40%). The uninsured rate is 10.70%, which is markedly above the state rate (6.90%). The share of people in poverty is 10.50%, which is on par with the state rate (8.40%), down 3.70 percentage points since 2011 and below its 2019 pre-pandemic level by 1.30 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is elementary (39.73%). College enrollment is 26.30%, which is on par with the state rate (30.00%), meaning the community mirrors broader higher-education participation.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 94520, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	3,079	12.32%
9th to 12th grade, no diploma:	2,169	8.68%
High school graduate (includes equivalency):	5,518	22.07%
Some college, no degree:	4,969	19.88%
Associate's degree:	1,785	7.14%
Bachelor's degree:	5,567	22.27%
Graduate or professional degree:	1,914	7.66%
Total:	25,001	100%
High school or higher:	19,753	79.01%
Bachelor's degree or higher:	7,481	29.92%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table Comparison Chart

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for ZIP Code 94520. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	19,936	50.14%
Public Insurance:	15,899	39.99%
No Insurance:	3,926	9.87%
Total:	39,761	100%
Has Health Insurance:	35,835	90.13%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2023)

Line chart displaying the share of families and people in ZIP 94520 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2023. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
% of People in Poverty	14.2%	14.3%	17.5%	18.0%	18.5%	15.8%	14.7%	12.0%	11.8%	9.3%	9.4%	9.1%	10.5%

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	735	8.06%
Kindergarten:	338	3.71%
Elementary school (grades 1-8):	3,622	39.73%
High school (grades 9-12):	2,024	22.20%
College or graduate school:	2,398	26.30%
Total:	9,117	100%
Early Childhood:	1,073	11.77%
K-12 (Primary & Secondary School):	5,984	65.64%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

City:	Concord, California
Names to Avoid:	Clyde
County:	Contra Costa County
Timezone:	Pacific (GMT -08:00)
Local Time:	8:54:03 PM
Population:	38,383 [See All]
Area Code:	925
Classification:	Standard [Normal Street Delivery]
Coordinates:	38.0047, -122.0358
Land Area:	9.872 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/94520/zip-code-94520.asp

# Residential Mailboxes:	13,751Source: USPS
# Business Mailboxes:	2,761Source: USPS
Total Delivery Receptacles:	16,757Source: USPS
Single Family Delivery Units:	6,197Source: USPS
Multi Family Delivery Units:	7,107Source: USPS

# of Businesses:	2,028Source: CBP
1st Quarter Payroll:	$927,392,000Source: CBP
Annual Payroll:	$3,388,845,000Source: CBP
# of Employees:	46,364Source: CBP

CBSA Name:	San Francisco-Oakland-Fremont, CASource: Census
CBSA Number:	41860Source: Census
CBSA Type:	MetroSource: Census
CBSA Division:	Oakland-Fremont-Berkeley, CA (CBSA Div 36084)Source: Census
CBSA Population:	4,653,593Source: Census
MSA:	San Francisco-Oakland-San Jose, CA CMSASource: Census
Land Area:	9.872 sq miSource: Census
Water Area:	0.032 sq miSource: Census

Congressional District:	08,10Source: USPS
Congressional Land Area:	32867.21, 1818.79 sq miSource: Census
PMSA:	Oakland, CA PMSASource: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	0616000Source: Census
Place Name:	Concord city; CaliforniaSource: Census

ZIP Code 94520 in Concord, CA

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2023)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 94520

Colleges & Post Secondary Schools near ZIP Code 94520

Sources & References