salaryRent is higher than in 86% of U.S. cities. Household incomes are higher than in 98% of U.S. cities. A typical house costs about 7.1 years of household income, so buying is hard for most locals. Commutes are long, about 30.6 minutes each way. Most homes (83.1%) are owned, so rentals can be hard to find. It is a highly educated city: 81.8% of adults have a college degree.
How much money do I need?
To rent here comfortably, you should earn about $100,080 a year. That is $48 an hour at a full-time job.
Is rent cheaper than other California cities?
No. Rent here is more expensive than in most of California. It is number 386 of 653 cities from cheapest to most expensive.
How much do households earn in Moraga?
Share of households by yearly income. 69.5% of households earn $100,000 or more.
Rent by apartment size in Moraga
| Size | Moraga | U.S. average |
|---|---|---|
| 1 bedroom | $2,415 | $1,324 |
| 2 bedrooms | $2,580 | $1,509 |
| 3 bedrooms | $3,500+ | $1,698 |
| 4 bedrooms | $3,500+ | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is Moraga overall?
Everyday prices in California overall are 11% above the U.S. average (index 110.7, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Moraga, so the California figure is shown.
Taxes and bills in Moraga
Life in Moraga
Is it cheaper to rent or buy in Moraga?
Renting is cheaper right now: about $9,038 a month less.
Owning assumes a typical $1,663,200 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $166,320 for the down payment.
Frequently asked questions
What is the average rent in Moraga, CA?
Renting in Moraga costs a median of about $2,502 a month in 2026, including utilities. The California median is $2,357.
How much do I need to make to live in Moraga?
To keep rent under 30% of income, you need about $100,080 a year, or $48 an hour at a full-time job.
Is Moraga cheap or expensive?
Moraga is rated Cheap: rent takes 12.9% of the typical household income of $233,164. It ranks 386th cheapest of 653 California cities we track.
How much are property taxes in Moraga?
The median homeowner in Moraga pays $10,000+ a year in property taxes, about 0.60% of the median home value.
Is Moraga more expensive than the national average?
Overall prices in California are 11% above the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in Moraga?
The median home value in Moraga is $1,663,200, about 7.1 times the typical yearly household income.
16,769 people live in Moraga. Numbers are typical (middle) values.