Moraga, CA

Very High · 324

California · Population 16,790 · Updated March 2026

$3,119
Median Rent / Month
$199,800
Median Income
$1,597,600
Median Home Value
$3,380
Owner Costs / Month

Affordability

How far your income goes in Moraga

18.7%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in California

State-level tax rates that affect your costs

13.3%
Income Tax (Top Rate)
7.25%
Sales Tax
0.71%
Property Tax Rate

Estimated Annual Costs

$37,428
Annual Rent
$26,573
State Income Tax
$11,343
Property Tax (est.)

Cost of Living Overview

Moraga has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 324 (where 100 equals the national median), Moraga residents can expect to pay median rent of $3,119/month while earning a median household income of $199,800/year.

The median home value in Moraga, CA is $1,597,600, with typical monthly owner costs around $3,380 including mortgage, insurance, and taxes. The median rent-to-income ratio of 18.7% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

California's top income tax rate of 13.3% is among the highest in the nation, adding to the overall cost burden. Combined with a 7.25% sales tax rate and 0.71% effective property tax rate, the overall tax environment is a factor in the total cost of living in Moraga.

Frequently Asked Questions

Common questions about living costs in Moraga

What is the cost of living in Moraga, CA?
The cost of living index in Moraga, CA is 324 (US average = 100). Median monthly rent is $3,119, median household income is $199,800/year, and the median home value is $1,597,600.
Is Moraga, CA affordable?
No, Moraga is more expensive than the national average with a cost index of 324. The rent-to-income ratio is 18.7%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Moraga, CA?
The median gross rent in Moraga, CA is $3,119 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $37,428.
What is the median household income in Moraga?
The median household income in Moraga, CA is $199,800 per year. This compares to the national median of approximately $80,000.
What are the taxes like in California?
California has a top income tax rate of 13.3%, a sales tax of 7.25%, and an effective property tax rate of 0.71%.