Concord Housing Market · 2026

Data through Jul 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

Concord Market Snapshot

Concord is a balanced market, but competition has been picking up. Here's where things stand:

Based on 300 homes sold in the 3 months ending July 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through July 2026

SalesWhat are homes selling for?
Median Sale Price
$800K
Up 5.5% from July 2025
Up $42K from July 2025
Homes Sold
300
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$5,148/mo
6.71% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$4,132
  • Property Tax$833
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
22 days
2 more days than in July 2025
Homes typically sell within a month
Sale-to-List Ratio
101.1%
Up from 100.3% in July 2025
Selling at or near asking price
% Sold Over Asking
44%
44% of homes sold above asking, some competition
Active Listings
228
Up 3.7% from July 2025
About 2.3 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Concord.

Median Sale Price
Up 5.5% year-over-year in Concord. Based on 300 sales in the last 3 months.
Homes Sold
5% more homes sold than a year ago in Concord.
Total Monthly Payment
Estimated monthly cost is up 5% from a year ago in Concord, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.71%. Your actual rate depends on your credit, down payment, and loan type.

Concord housing market trends, 2021–2026

September 2021 median
$756K
$2,551/mo at 3.0%
Peak (May 2022)
$830K
July 2026 median
$800K
$4,111/mo at 6.7%

The median sale price in Concord is $800K — up 6% from $756K in September 2021. Over that stretch, the median peaked at $830K in May 2022 and bottomed at $703K in January 2026. That puts today's price about 6% above the area's 5-year average of $753K. Each point is the median of a rolling 3-month window of closings, so the curve runs smoother than any single month; the multi-year direction is the signal.

What buyers actually pay has moved more than the sticker price suggests: a typical monthly payment (20% down, principal & interest) is about $4,111 today, up 61% from $2,551 in September 2021. Most of that increase comes from mortgage rates (3.0% then vs. 6.7% now), not prices — at September 2021 rates, today's median would run about $2,700/mo.

Seasonally, the three months ending in August have been the busiest stretch for closings in Concord over the past 5 years (about 345 sales in that window on average, vs. 222 for the stretch ending in February), while competition has run hottest in the stretch ending in April (62% of homes selling over asking on average). That's an average across just 5 observations per month, so treat it as a tendency, not a rule.

Frequently asked questions about Concord

Is now a good time to buy in Concord?

Concord is balanced but competition is picking up. It remains a reasonable environment for buyers, though acting decisively on well-priced homes is becoming more important.

How do Concord home prices compare to the Bay Area average?

At $800K, Concord's median sits about 56% below the Bay Area average of $1.80M. Concord is among the most accessible parts of the Bay Area.

By home type:

  • Single-family homes at $850K
  • Condos at $330K
  • Townhomes at $445K
What price range should I budget for in Concord?

Prices in Concord depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $850K
  • Condos at $330K
  • Townhomes at $445K

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is Concord for buyers?

Concord is a balanced market where neither side dominates:

  • Homes sell about 1% above asking on average
  • 44% close above list price
  • 22 days typical time to go pending
  • 31% of listings have had a price reduction

Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.

What will my total monthly cost be on a median-priced Concord home?

At $800K with 20% down at 6.71%, your estimated total monthly cost is approximately $5,148:

  • $4,132 principal and interest
  • $833 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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