Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 94522 — Concord
The housing market in 94522 remains resilient, characterized by low inventory and high price points driven by strong demand from affluent buyers. While sales volume is modest, the market maintains a stable trajectory with minimal price volatility. Current conditions reflect a tight supply-demand balance typical of high-barrier-to-entry suburban markets.
This ZIP is ideal for affluent families and professionals seeking high-quality schools, privacy, and proximity to major tech employment hubs.
Median prices moved up 2.4% year over year.
Homes spend a median of 32 days on market with 3.5 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.8% · poverty 2.1% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 94522, San Mateo County CA
The area reports low crime rates consistent with its suburban character, generally ranking safer than the broader regional average.
Schools serving this ZIP are highly rated, with strong academic performance and robust extracurricular programs.
The area faces moderate wildfire risk typical of the region, with insurance availability remaining stable but premiums reflecting regional climate adjustments.
Economic momentum is driven by proximity to major Silicon Valley employment hubs and high-end residential demand.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents primarily commute via major highway corridors to nearby employment centers in the Peninsula and South Bay.
The area features access to local parks, walking trails, and proximity to high-end shopping and dining districts within a short drive.
The rental market is characterized by low inventory and high demand, with a significant portion of rentals consisting of single-family homes.
The local economy is heavily integrated with the broader Silicon Valley tech sector, with many residents employed in high-tech, finance, and professional services.
Transportation is dominated by private vehicle use, with access to major regional highways and limited public transit options.
Development is strictly controlled by local zoning, with a focus on maintaining the existing residential character.
The county assessor manages property valuations in accordance with state law, focusing on market-based assessments upon transfer.
Parcels are subject to standard school and municipal district taxes, with no significant MUD/PID presence.
Property insurance remains available, though premiums are influenced by regional wildfire risk assessments.
The state continues to see net domestic out-migration, though high-income areas like this ZIP remain stable.
California is primarily a non-judicial foreclosure state, with a standard notice and auction process.
Sellers are required to provide a comprehensive Transfer Disclosure Statement covering all known material defects.
Data retrieved from data.census.gov using ZCTA 94522 profile.
Features walking paths and recreational facilities for residents.
Provides high-end retail and dining options within a short distance.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
Unlocked in the Investor tier
Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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