What Is the Average Household Income in Concord, CA? A 2025 Guide for Homebuyers & Homeowners

Ron Melvin
Nov 18
4 min read

What Is the Average Household Income in Concord, CA? (2025 Real Estate Update)

When people reach out asking whether they should buy a house in Concord CA, one of the first questions they ask is:

“What is the average household income in Concord, CA?”

It’s an important question—because income trends are closely tied to affordability, mortgage approval, and long-term real estate values. Whether you’re a first-time homebuyer in Concord, a seller planning your next move, or an investor tracking Concord CA, real estate market trends, understanding the local income landscape helps you make smarter decisions.

So let’s break it down in a way that’s clear, helpful, and relevant to today’s East Bay housing market.

Average Household Income in Concord, CA (2025 Data)

As of 2025, the average household income in Concord, CA is approximately $108,000, based on the most recent U.S. Census updates, regional economic data, and East Bay cost-of-living trends.

Here’s how that breaks down:

Median household income: ~$93,000
Average household income: ~$108,000
Per-capita income: ~$44,000

Concord continues to attract buyers because it offers strong incomes relative to home prices—especially compared to Walnut Creek, Lafayette, or Oakland. Simply put: You can get more home for your money in Concord without sacrificing lifestyle, schools, or commute access.

How Income Impacts Home Buying in Concord

If you're searching for Concord, CA homes for sale, income matters for:

Mortgage Qualification
Most lenders use the 28/36 rule—meaning about 28% of your gross income can go toward housing payments.

With Concord’s average income levels, many buyers qualify comfortably for homes in the $650k–$900k range depending on down payment and debt levels.

Down Payment Planning
Income stability plays a role in how lenders assess risk. Higher household income may open doors to competitive rate options, better terms, or programs for first-time homebuyers in Concord CA.

Competition in the Market
Higher income levels in the East Bay can influence buyer demand. The good news? Concord remains one of the BEST value markets in Central Contra Costa County.

For updated market insights, watch my YouTube videos here:

Income vs. Cost of Living — Is Concord Affordable?

If you're considering a move and wondering:“Is Concord expensive to live?”or“Is Concord a good place to live?”

I break that down in these detailed guides:

Is Concord CA Expensive to Live?
https://www.ronmelvin.com/post/is-concord-ca-expensive-to-live-2025-realtor-s-guide
Is Concord California a Good Place to Live?
https://www.ronmelvin.com/post/is-concord-california-a-good-place-to-live
Your Complete Guide to Buying a Home in Concord CA
https://www.ronmelvin.com/post/buy-a-house-in-concord-ca-your-complete-guide-to-finding-the-perfect-east-bay-home
Are Houses in Concord CA Selling Fast?
https://www.ronmelvin.com/post/are-houses-in-concord-ca-selling-fast-what-buyers-and-sellers-need-to-know-in-2025

Compared to nearby cities, Concord offers a balance of:

Reasonable home prices
Strong employment & income levels
Family-friendly neighborhoods
Great commute access to Walnut Creek, Oakland, and SF
A growing restaurant, park, and recreation scene

This is why so many people searching Buy a house in Concord CA put this city at the top of their list.

How Household Income Trends Affect Sellers

If you're planning to sell your home in Concord CA, income trends matter more than you might think.

Higher incomes = stronger buyer pool
As incomes rise, buyers often increase their budgets, which can support higher prices when the market is favorable.
First-time buyers are entering the market
Many young professionals and families with growing incomes are choosing Concord for its relative affordability.
Inventory shifts matter
Home prices and income levels must be looked at together. That’s why I provide regular market updates, like the one here:https://www.youtube.com/watch?v=PR9DB7XqNrs
Before selling, make sure you’re getting strategic guidance from an experienced
Concord CA real estate agent—someone who understands pricing, negotiation, buyer behavior, and timing.