Concord, CA Relocation Guide (2026)
Cost of living, housing, and income data for Concord, sourced from the US Census Bureau.
Salary needed to live in Concord →
Source: US Census Bureau ACS 5-Year (2022). Last updated July 2026.
Concord counts roughly 125,007 residents, and the median household brings in $107,789 annually — +50% relative to the cities in our dataset, putting incomes here above the pack.
In Concord, the median home is valued at $706,700 — above the median across the cities we track (+116%) — and typical rent runs $2,137 a month. Factor in mortgage rates and property taxes when sizing up whether buying pencils out.
The ratio of median home value to median household income in Concord — roughly 6.6× — is on the high side, a sign that local pay hasn't kept pace with housing costs. Home prices around Concord have pulled back slightly over the past year, down about 0.01%. Natural-hazard exposure in Concord is rated Very High by FEMA, on the elevated end — something to check with insurers before buying.
Personal Affordability Check
Renting at $2,137/mo in Concord would take 23.8% of your income.
$558/mo under the 30% guideline.
Buying the median home ($706,700) would take 42.0% of your income toward principal & interest.
$1,258/mo over the 28% guideline.
Cost of housing in Concord
Median home value is $706,700 and median gross rent is $2,137/month. For buyers, monthly costs depend heavily on current mortgage rates — worth checking before you commit.
FHFA's county-level home price index for Contra Costa fell 0.01% over the past year (as of 2025).
HUD's FY 2026 Fair Market Rent for a 2-bedroom unit in the surrounding county is $2,912/month.
Climate & home insurance
FEMA rates Concord's overall natural-hazard risk as Very High. Risk level is a major driver of home insurance premiums.
Safety
Concord reported a violent crime rate of 419.6 per 100,000 residents in 2025, per FBI data.
Moving to Concord
Planning a move to Concord? Compare licensed movers and get quotes based on your origin and move date.
Frequently asked questions
- What is the cost of living in Concord, CA?
- Cost of living in Concord centers on housing: median home value runs $706,700, median rent runs $2,137/month, and the typical household earns $107,789 a year. Data via the US Census Bureau ACS 5-Year (2022).
- How much do you need to earn to live comfortably in Concord?
- To keep rent under the commonly recommended 30% of income in Concord, where median rent runs $2,137/month, you'd want to earn about $85,480 annually. See the full salary breakdown (renting and buying) for Concord.
- Is it better to rent or buy in Concord?
- Comparing the two in Concord: renting at the median $2,137/month needs about $85,480 in annual income (30% guideline), while buying the $706,700 median home needs roughly $161,689 a year in principal-and-interest, assuming 20% down and a 30-year fixed loan at current rates.
- Is Concord safe?
- FBI data puts Concord's violent crime rate at 419.6 per 100,000 residents for 2025 — a useful benchmark alongside other cities you're weighing.
See the full salary breakdown for Concord →
Cities with a similar cost of living
Matched on median rent and household income within 15% of Concord's.