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What Antioch's Median Price Hides: The 94509 and 94531 Split That Changes the Buying Math

What Antioch's Median Price Hides: The 94509 and 94531 Split That Changes the Buying Math

The Antioch median told you one story this spring. The ZIP-level numbers tell a different one, and the gap between them is where buyers either find value or overpay for it.

Redfin's three-month window ending May 2026 put the citywide median sale price at $615,000, up 1.3% year over year, with price per square foot down 2.7% to $327. Movoto's July 2026 read had median list at $649,000. Zillow's home value index sat at $604,203, down 0.4% year over year. Read as a single market, Antioch looks flat with a slight softening at the per-foot level.

Read as two markets, it looks like something else entirely.

The number that contradicts the citywide trend

While the city as a whole showed price per square foot down 2.7% year over year through May 2026, Downtown Antioch's price per square foot was up 11.6% to $336 over the same window. That is not noise. That is a submarket moving in the opposite direction of the average that supposedly contains it.

At the other end of the city, in the Deer Valley area covering much of 94531, the twelve-month median sale price ran near $621,000, down roughly 4 to 6% depending on the source and window. Southern Antioch's newer inventory is softening. The older northern stock is tightening on a per-foot basis.

The obvious buyer instinct is still to head south for newer construction, better-rated schools, and the master-planned feel. The data says that instinct is now buying into the weaker half of the market.

What your money actually buys on either side of Highway 4

Submarket Typical price band Housing stock What the number gets you
South Antioch (94531): Deer Valley, Sand Creek, Black Diamond $700K to $840K+ Built mostly in the last 10 to 20 years, contemporary and Spanish-influenced, two- to three-car garages Newer systems, HOA-managed streets, proximity to Kaiser Permanente and Sutter Delta, Deer Valley High attendance
Central Antioch (mixed 94509/94531): Dallas Ranch, Lone Tree, Country Hills Mid-$500s to $700K Mix of 1980s to 2000s resale plus active new construction Established trees, shorter drive to Highway 4 and the Antioch BART station, closer to Lone Tree Way retail
North / Downtown Antioch (94509): Rivertown and the waterfront Wide range, older stock skewing lower Housing dating back to 1900, smaller footprints, some remodeled The rising per-foot number, walkability to the San Joaquin waterfront, smaller lots that trade on character rather than size

The band for South Antioch comes from JVM Lending's April 2026 buyer guide. The stock descriptions and the school-zone framing come from the same source, cross-checked against Homes.com's Deer Valley profile, which pegs the median there at $637,499 with a required income near $134,000 at a 6.19% rate.

Meritage Homes is actively selling its Deer Valley community in this same footprint, which matters for a specific reason covered in the next section.

The transaction friction that only shows up once you're in escrow

Two Antioch homes at the same list price can carry very different monthly costs and very different closing timelines. Buyers comparing across the city should price for these before they write an offer, not after.

  1. Mello-Roos and CFD assessments in the southern tracts. Most of the newer construction in Deer Valley, Sand Creek, and Black Diamond sits inside Community Facilities Districts that funded the schools, parks, and infrastructure serving those subdivisions. Assessments show up on the property tax bill in addition to the base 1% ad valorem rate and can materially change the monthly payment on an otherwise identical loan. The disclosure is in the preliminary title report and the seller's tax bill. It is worth reading before contingency removal.
  2. HOA overlay in the master-planned communities. Much of 94531 sits inside an HOA. Dues, CC&R restrictions on exterior modifications, and rental caps all vary by tract. In the older 94509 stock north of Highway 4, an HOA is the exception rather than the rule.
  3. Active builder competition in the same ZIP. With Meritage still selling Deer Valley homes with incentives such as rate buydowns and closing-cost credits, a resale seller two streets over is not competing on list price alone. Buyers in 94531 should treat the builder's monthly-payment offer as the reference point when evaluating a resale.
  4. Condition and permit-history risk on older 94509 stock. Rivertown's housing goes back to 1900. Foundations, galvanized supply lines, knob-and-tube remnants, and unpermitted additions are all findings inspectors turn up regularly on pre-1950 stock. Sellers of these homes should expect renegotiation requests after inspection. Buyers should budget for the delta between the appraisal number and the true cost to own.
  5. Speed splits by submarket. Redfin's three-month window showed the citywide average selling in 21 days at about 1% over list, while hot homes went in 8 days at roughly 4% over. Downtown Antioch specifically averaged 24 days at 1% below list, with the fastest homes moving in 9 days. The average is the wrong tool for offer strategy in either ZIP.

Why the two markets are moving in opposite directions

The mechanism is inventory age plus payment sensitivity.

South Antioch is the part of the city most exposed to interest-rate math. Buyers there are typically stretching for square footage, financing near their limits, and comparing directly against a builder down the street who can subsidize their rate. When rates stay elevated, that stretch gets harder, prices ease, and days on market lengthen. Homes.com's data showing Deer Valley down 4 to 6% year over year is consistent with this pattern.

Downtown and north Antioch are working from a different constraint. The stock is finite, the lots are small, and the per-foot number is being pulled up by a mix of renovated homes trading on character and buyers who are priced out of central Contra Costa. A remodeled 1,200-square-foot Rivertown bungalow does not have an obvious substitute two miles away. That scarcity shows up as a per-foot increase even when the overall city number softens.

The Deer Valley area also carries a school-zone premium that stays intact regardless of where rates go. Deer Valley High School earns a B from Niche with an 89% graduation rate, and the district's application-based Dozier-Libbey Medical High School earns an A- with a 95%-plus graduation rate. Dozier-Libbey admits from anywhere in the city, so a family targeting it does not need to pay the southern premium to access it. That is a data point the standard neighborhood guide never mentions.

What this changes for a buyer comparing East Bay options

The default framing of Antioch as a single value play against Brentwood or Oakley misses the direction each half of the city is moving. If your priority is the newer four-bedroom near open space and regional parks like Contra Loma or the trails along Via Delta de Anza, 94531 is where you shop, and you shop it knowing the builder is your comp and the tax bill has an extra line. If your priority is per-foot value with room to renovate and walkable access to the waterfront, 94509 north of Highway 4 is where the market is quietly firming.

Central Antioch, including Dallas Ranch, Lone Tree, and Country Hills, is the middle ground where the citywide median actually makes sense as a reference point. Homes there trade closer to the $600K figure the portals show, and the mix of 1980s to 2000s resale gives buyers something builders in the south cannot easily match on lot size or mature landscaping.

The one thing the citywide number does not do is describe any of these three realities on its own.

FAQ

Do I have to buy in the Deer Valley attendance zone to send my child to a top-rated Antioch high school? No. Dozier-Libbey Medical High School is application-based and open to any family in the district. It consistently posts the district's highest ratings. Buying in the southern attendance zone is one path to a strong campus. Applying to the magnet is another.

How do I find out whether a specific Antioch home is inside a Mello-Roos district before I remove contingencies? The preliminary title report and the seller's most recent property tax bill will both show any CFD assessments. Contra Costa County's assessor and tax collector records are the underlying source. Your agent should request both documents in the first week of escrow.

Is Downtown Antioch's rising price per square foot the same as rising prices overall? Not exactly. A per-foot increase can reflect smaller homes trading at higher prices, more renovated inventory in the mix, or genuine appreciation. In 94509 north of Highway 4, all three are in play. It is a signal worth respecting rather than a guarantee of resale in twelve months.


If you are weighing Antioch against a nearby East Bay market and want the ZIP-by-ZIP read on what your budget actually buys, The Lucas Group works with buyers across Antioch, Brentwood, Oakley, and Discovery Bay every week. Get in touch and we will map the numbers to your specific short list.

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