Cost of Living in Moraga, CA
Population 16,790 · California · Data vintage 2023
(100 = US avg)
Housing prices in Moraga cluster toward the top of the US distribution — a median of $1.6 million, roughly 5 times the national figure, consistent with markets dominated by nonresident and vacation-home buyers. At 6.2%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Geographically, Moraga sits roughly 8 miles northeast of Oakland. Median home values run roughly 73% higher than Oakland's $925,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Moraga
The median home value in Moraga is $1,597,600 — 424% above the national median of $305,000. Median rent runs $3,119/month, 137% higher than the national median of $1,314/month. The median household income of $199,800/year is 168% higher than the US median of $74,580. The local unemployment rate is 6.2%, above the national average of 4.8%. California's top state income tax rate is 13.3% and the combined sales tax is 8.7%. Overall, Moraga has a cost of living index of 409 versus the US average of 100, meaning it is 309% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Moraga, CA?
Moraga has a cost index of 409 (100 = national average). It is 309% above the national average.
What is average rent in Moraga, CA?
The median gross rent in Moraga is $3,119 per month based on 2023 Census data.
What is the average home price in Moraga?
The median home value in Moraga is $1,597,600 according to Zillow and Census data.
What is the median income in Moraga?
The median household income in Moraga is $199,800 per year (2023 ACS 5-year estimates).
What is the sales tax in Moraga, CA?
The combined state and local sales tax rate in Moraga is 8.7%. The California state income tax top rate is 13.3%.
Is Moraga, CA affordable?
Moraga is above average in cost of living, with an index of 409 — about 309% higher than the national average.
Moraga at a Glance
- Population
- 16,790
- Median Income
- $199,800
- Home Value
- $1,597,600
- Median Rent
- $3,119/mo
- Unemployment
- 6.2%
- Sales Tax
- 8.7%
Nearby Cities
Explore county-level cost of living data