ZIP Code 94520: Population, Income, Housing

State: CA

Total population: 37,381 Household income: $82,479 Rent: $2,197

Overview

Total population

37,381

Rent

$2,197

Year built

1971

Household income

$82,479

Per capita income

$40,315

Poverty rate

12.2%

Unemployment rate

N/A

Household size

2.7 persons

Rent over 30% of income

56.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

California

County

Contra Costa County

City

Concord

Total population

37,381

Adults over 25

25,655

Total households

13,721

Household size

2.7 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$82,479

Per capita income

$40,315

Poverty rate

12.2%

Unemployment rate

N/A

Rent over 30% of income

56.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$2,197

Year built

1971

Households that rent

62.5%

Households that own

37.5%

Rooms per home (all homes)

4.3

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

30.9%

Black

4.6%

Asian

11.9%

Two or more races

22.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

51.2%

Not Hispanic or Latino

48.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

16,600 (88.6%)

Commute time to work

30 mins

Work from home

2,135 (11.4%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

37.5%

High school graduate or GED

23.2%

Some college or associate degree

10.3%

Bachelor’s degree or higher

29%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 94520 with: Contra Costa County, CA Concord, CA San Francisco metro area, CA California United States

ZIP 94520

Total population37,381

Rent$2,197

Year built1971

Household income$82,479

Per capita income$40,315

Poverty rate12.2%

Unemployment rateN/A

Contra Costa County, CA

Total population1,165,012

Rent$2,375

Year built1978

Household income$127,229

Per capita income$62,927

Poverty rate8.4%

Unemployment rate4.4%

Concord, CA

Total population124,035

Rent$2,274

Year built1970

Household income$108,709

Per capita income$51,973

Poverty rate8.2%

Unemployment rate4.2%

San Francisco Metro Area, CA

Total population4,645,029

Rent$2,474

Year built1968

Household income$136,027

Per capita income$74,352

Poverty rate8.9%

Unemployment rate4.2%

California State

Total population39,287,377

Rent$2,036

Year built1976

Household income$99,122

Per capita income$49,513

Poverty rate12%

Unemployment rate5.3%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP94520	CountyContra Costa, CA	CityConcord, CA	Metro AreaSan Francisco metro area, CA	StateCalifornia	CountryUnited States
Total population	37,381	1,165,012	124,035	4,645,029	39,287,377	334,922,499
Rent	$2,197	$2,375	$2,274	$2,474	$2,036	$1,413
Year built	1971	1978	1970	1968	1976	1980
Household income	$82,479	$127,229	$108,709	$136,027	$99,122	$80,734
Per capita income	$40,315	$62,927	$51,973	$74,352	$49,513	$44,673
Poverty rate	12.2%	8.4%	8.2%	8.9%	12%	12.5%
Unemployment rate	N/A	4.4%	4.2%	4.2%	5.3%	4%

View the full multi-level comparison →

Summary for 94520

Rent & Income

In 94520, the typical monthly rent is $2,197 and the typical household income is $82,479. Rent here is similar to Concord and higher than California, and household income is lower than both Concord and California. The estimated poverty rate is 12.2%, which is higher than the Concord rate and similar to the California rate.

Housing & Affordability

Renters make up about 62.5% of households, making this a predominantly renter area. About 56.4% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 29% of adults holding a bachelor’s degree or higher.

ZIP 94520 — Rent vs Household Income

ZIP 94520 — Poverty

How ZIP 94520 compares in California (613 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$2,197	365 / 613	from lower rent	$1,054 – $3,501
Household income	$82,479	420 / 613	from higher income	$35,378 – $250,001
Poverty rate	12.2%	362 / 613	from lower poverty	2.2% – 39.6%

Rankings are calculated among ZIP Codes in California with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 94520

Rent

When it comes to rent, ZIP Code 94520 ranks 365th out of 613 ZIP Codes in California. Statewide, values range from $1,054 in ZIP 92243 up to $3,501 in ZIP 90275.

Household income

Income-wise, this area is placed 420th out of 613 ZIP Codes. Across California, figures vary from $35,378 in ZIP 90007 up to $250,001 in ZIP 95070.

Poverty rate

When it comes to poverty, ZIP Code 94520 places 362nd out of 613 ZIP Codes. Throughout California, numbers span from 2.2% in ZIP 95120 up to 39.6% in ZIP 90007.

💰 Rent in ZIP Code 94520 (with Utilities)

Estimated Monthly Rent: $2,197 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 94520

Annual Household Income: $82,479

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 94520

Estimated Rate: 12.2%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 94520

In ZIP Code 94520, households that rent: 8,573 (62.5%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	8,573	62.5%
Owner-Occupied	5,148	37.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 94520

In ZIP Code 94520, cost-burdened renters (households spending over 30% of income on housing): 4,839 (56.4%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	4,839	56.4%
Other renter households	3,734	43.6%
Total renter households	8,573	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 94520

Less than High School: 9,630 people (37.5%)

Includes adults who did not complete high school.

High School Graduate or GED: 5,944 people (23.2%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,630 people (10.3%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 7,451 people (29%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 25,655

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.