Cost of Living in Concord, California in 2025

Concord, California Cost of Living: Quick Takeaways

Housing Costs: The average rent for a one-bedroom apartment in Concord has risen significantly to about $2,309 in 2025.
Transportation Expenses: Public transit costs around $2.76 per ride with monthly passes at $59.50, while gas prices are higher at $4.54 per gallon.
Healthcare Costs: Employer-sponsored health insurance averages about $177.42 monthly, with silver plan premiums at $621.
Income Levels: Median household income has increased steadily, reaching an estimated $105,000 in 2025.

Concord, California, located in the Bay Area, offers diverse living options but comes with notable expenses in housing and transportation.

This detailed breakdown covers all major aspects influencing the cost of living in Concord for 2025.

Explore housing, utilities, transportation, and additional living costs to understand your budget better.

1. Housing Costs in Concord, California

Housing is a major expense for residents of Concord. Here's an overview of average rent prices for a one-bedroom apartment over the past years:

2010: Approximately $1,200
2015: Around $1,500
2020: Approximately $1,800
2024: Reached $2,035
2025: Projected about $2,309

This steady increase in rental costs reflects the demand and housing market trends in the Bay Area region.

For hospitality employers in Concord, understanding these economic factors can help in setting competitive wages and benefits. Exploring strategies to reduce restaurant employee turnover can also assist in managing rising operational costs.

2. Homeownership and Real Estate Trends in Concord, California

For prospective homeowners, median home prices have also appreciated notably:

2010: Around $400,000
2015: Increased to about $500,000
2020: Approximately $600,000
2024: Reached $699,000
2025: Projected at $750,000

These trends underscore Concor's competitive real estate market and factors for affordability consideration.

Understanding the hospitality real estate market trends can be critical for restaurant and hotel owners considering expansion or relocation.

3. Transportation Expenses in Concord, California

Residents have access to various transportation modes, each with unique costs:

Public Transit: Single rides cost about $2.76, while monthly passes are around $59.50
Fuel Costs: Gasoline is priced at approximately $4.54 per gallon as of 2025
Vehicle Maintenance: Annual average maintenance costs reach close to $1,200

Transportation costs can vary depending on commute habits and vehicle type.

Employers might want to consider how transportation expenses affect their employees’ ability to reliably commute. Insights on seasonal hiring strategies for top hotels include considerations for transit accessibility.

4. Utility Costs in Concord, California

Utility bills for a standard residence typically include:

Electricity: Monthly average is about $269.40
Internet: Costs around $74.40 monthly
Total Utilities: Sum to roughly $343.80 monthly

Usage and provider choices may influence these monthly expenses.

5. Grocery and Food Expenses in Concord, California

Groceries are a significant part of living costs, estimated for one person to be about $661 monthly.

Dining out prices vary with casual meals averaging around $17.70 and mid-range restaurant meals approximately $74.50.

For restaurateurs in Concord, effective restaurant consumer trends insights can guide menu pricing and food sourcing strategies.

6. Healthcare Costs in Concord, California

Healthcare is an important expenditure category.

Employer-sponsored health insurance costs average about $177.42 monthly, while silver plan premiums are at $621 monthly in 2025.

Optimizing employee illness policies can provide financial and health benefits for hospitality businesses and their staffs.

7. Educational Expenses in Concord, California

Education costs vary depending on public or private options:

Public Schools: Free of tuition fees
Private School Tuition: Average about $15,000 annually
In-State University Tuition: Estimated around $7,000 per year

These figures help families plan for education expenses.

8. Entertainment and Leisure in Concord, California

Costs for entertainment and leisure activities include:

Movie Ticket: Around $11 per ticket
Gym Membership: Monthly fees average $99.40
Mid-Range Restaurant Meal: Approximately $74.50
Annual Entertainment Spending: Estimated at $3,000
Personal Care Services Annual: About $900
Miscellaneous Goods and Services Annual: Roughly $800

These expenses influence lifestyle and quality of life in Concord.

9. Taxes and Miscellaneous Fees in Concord, California

Tax obligations affect overall expenses:

State Income Tax: Ranges from 1% to 13.3%
Sales Tax: Total rate approximately 8.75%
Property Tax Rate: About 1.11%

Understanding these taxes is essential for budgeting.

10. Childcare and Family Expenses in Concord, California

Families should consider childcare and related costs:

Daycare: Average monthly fees near $1,852
After-School Programs: Monthly average cost around $500
Extracurricular Activities: Estimated at $200 monthly

These expenses require careful financial planning for families.

11. Clothing and Personal Care in Concord, California

Monthly expenditures on clothing and personal care include:

Clothing: About $150 monthly
Personal Care Products and Services: Approximately $75 monthly

These regular expenses contribute to overall living costs.

12. Insurance Costs in Concord, California

Insurance costs in the area are as follows:

Health Insurance: Monthly average premium is $621, consistent with silver plans
Auto Insurance: Annual average of $1,500
Homeowners Insurance: Around $1,200 annually
Renters Insurance: About $200 annually

Insurance is vital for financial security and legal requirements.

Hospitality businesses should review restaurant insurance cost strategies to protect their operations effectively.

13. Miscellaneous Expenses in Concord, California

Additional miscellaneous expenses include:

Entertainment: Approximately $3,000 annually
Personal Care Services: About $900 annually
Miscellaneous Goods and Services: Roughly $800 annually

These costs may vary based on lifestyle preferences.

14. Income and Salaries in Concord, California

Income trends provide context for living costs:

2010: Median household income was about $70,000
2015: Increased to approximately $80,000
2020: Around $90,000
2023: Estimated at $100,011
2025: Projected median income of $105,000

Income growth reflects economic development in the area.

For hospitality managers interested in local salary insights, visiting pages like cost of living California or exploring hospitality wages 2025 can help align compensation with market expectations.

15. Comparison with National Averages

When compared to national averages, Concord's costs show distinct differences:

Overall Cost of Living: About 74.9% higher than national average
Housing: 118.7% higher, indicating strong market pressures
Utilities: 56% higher
Food: 16% higher
Healthcare: 22% higher
Transportation: 40% higher
Goods and Services: 18% higher

These figures emphasize the premium costs of living in Concord compared to the broader U.S.

Our Methodology for Concord, California Cost of Living Figures

Our data comes from multiple reliable sources including government datasets, economic research bodies, real estate platforms and surveys.

Where direct data was unavailable, estimates were formulated based on regional trends and comparable cities.

This approach ensures a comprehensive and realistic representation of living costs in Concord for 2025.

Concord, California Cost of Living: Conclusion

The cost of living in Concord in 2025 reflects a high demand housing market, elevated transportation expenses and above-average costs in healthcare and utilities.

While incomes have grown steadily, the significant rise in housing costs presents challenges for residents and prospective newcomers.

Understanding these cost components helps individuals and families plan effectively for life in Concord, California, balancing expenses with lifestyle choices.

Hospitality businesses aiming to navigate these economic conditions effectively may benefit from how to hire a restaurant manager tips and hiring a restaurant consultant to optimize staffing and profitability strategies.