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Concord, CA

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US location · verified

Neighborhood intelligence

Your Concord relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Concord.

Median rent

$2,274/mo

ACS 2024 5-year

Median household income

$108,709

ACS 2024 5-year

Median home value

$797,600

ACS 2024 5-year

Safety score

48/100

FBI CDE

Weather

78°F (H 90° / L 66°)

Open-Meteo

Buying in Concord? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

48/100

FBI CDE

Worth extra due diligence — 46% above average FBI data, 2023–2024

Average

Noise Level

37 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 78°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 46 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Concord CA

Concord has genuinely comfortable weather: 78°F average with 90°F highs. Combined with $2,274/month rent and 48/100 safety, it makes a strong case for the right mover.

Concord has about 124,035 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Concord CA Safe?

Concord CA scores 48/100 on safety (well below average). Crime is about 46% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 146 (100 = avg); violent crime index 132; property crime index 159. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Concord CA

School quality varies by neighborhood in Concord. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Concord CA

Typical rent in Concord is about $2,274/month (expensive). At $2,274/month for a typical unit, you need about $81,864+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $797,600.

Median household income is $108,709, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($108,709) clears the $81,864 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Concord CA

Average temperature is about 78°F (highs near 90°F, lows near 66°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Concord CA?

Who tends to thrive in Concord: (1) Dual-income households (at $2,274/month, the rent math works much better with two salaries) (2) Tech and finance workers (the job market is real and local pay near $108,709 helps carry housing costs) (3) Households earning $81,864+ who can clear the 3× rent rule at $2,274/month (4) Movers with a locked job offer in Concord who already priced rent and commute

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 48/100) (2) Single earners under $70k (the rent-to-income ratio is tight at $2,274/month) (3) Anyone stretching past 40% of take-home on housing at $2,274/month

Income sniff test: clear about $81,864 household income for $2,274/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Concord is a mixed picture. Safety is average and rent at $2,274/month is on the high side. It works for the right household but is not an obvious choice.

Next steps

Tools for your move

Quotes and listings for Concord when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Concord.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$5,377

Mortgage + tax + insurance + HOA

Annual property tax

$11,565

Annual est. $5,580

Est. monthly utilities

$1,250

Climate-adjusted electric, gas & water

Median home price

$797,600

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$717k
2022
$737k
2023
$756k
2024
$777k
2025
$798k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$3,103/mo vs buying
$2,274ACS 2024 5-year
Rent
$5,377
Buy

Mortgage

$4,033

Property tax

$964

Insurance

$285

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$10,584/yr

2024

1.37%

$10,901/yr

2025

1.41%

$11,228/yr

2026

1.45%

$11,565/yr

Buying in Concord? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$3,418/yr

elevated exposure
Wind hazard index46 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 78°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $3,418.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Concord to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo