Moraga, California

Area Profile

16,769 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Moraga, in Contra Costa County.

51out of 100
Area Score
Bottom 25% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 16 sources
Opportunity2,766th of 4,199 cities measured49
SchoolsTop 9% of 4,162 cities measured82
Growth3,365th of 4,224 cities measured34
Housing affordability4,166th of 4,218 cities measured23
ClimateTop 9% of 4,225 cities measured85
Physical resilience3,497th of 4,226 cities measured23
AccessTop 9% of 4,226 cities measured99
Economic stabilityTop 24% of 4,226 cities measured70
The quick read

Unemployment is 4.8% and median household income $216,193, putting employment conditions in the middle range of cities measured. The unemployment rate is published for Contra Costa County, CA, which contains Moraga, rather than for Moraga alone.

Public schools test above most of the state: 82% of students met the mathematics standard, placing the area in the top 9% of published profiles for schools.

Housing costs more relative to local incomes than in most cities measured: rent takes 39% of renter income and the median home is 6.8 times what its owners earn.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
16,769
2024 ACS 5-Year
Median household income
$216,193
Top 1% nationally
Density
1,772/sq mi
9.5 sq mi of land
Median age
40.1
2024 ACS 5-Year
County
California
Nearest major airport
OAK
10 mi · Oakland San Francisco Bay
Median home value
$1,663,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment across Contra Costa County, CA, which contains Moraga, is 4.8% — higher than in all but 32% of the 4,226 measured US cities.

Employment across Contra Costa County, CA, which contains Moraga, fell 2.6% over the past year, to 543,930 employed residents.

82% of adults hold a four-year degree, higher than 99% of measured US cities.

Median household income of $216,193 is higher than in 99% of measured US cities.

MetricValueCompared nationallySource period
Income of new arrivalsContra Costa County, CA’s figurefiling years 2022–2023$133,12096th percentileof 4,101filing years 2022–2023
Income of those who leftContra Costa County, CA’s figurefiling years 2022–2023$130,97797th percentileof 4,101filing years 2022–2023
Median household income ±$21,2022024 ACS 5-Year$216,193Top 1%of 29,2232024 ACS 5-Year
Per capita income ±$8,4482024 ACS 5-Year$94,211Top 2%of 31,4202024 ACS 5-Year
Poverty rate ±6%2024 ACS 5-Year4.3%Top 21%of 31,7732024 ACS 5-Year
Average commute ±2.2 min2024 ACS 5-Year32.9 minBottom 22%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±5%2024 ACS 5-Year81.8%Top 1%of 31,9192024 ACS 5-Year
Drove alone to work ±4%2024 ACS 5-Year43.4%4th percentileof 31,4332024 ACS 5-Year
EmploymentContra Costa County, CA’s figureJuly 2026543,930Top 13%of 4,226July 2026
Employment change (3 years)Contra Costa County, CA’s figureJuly 2026−3.0%Bottom 13%of 4,226July 2026
Employment change (year over year)Contra Costa County, CA’s figureJuly 2026−2.6%Bottom 12%of 4,226July 2026
Labor forceContra Costa County, CA’s figureJuly 2026571,34787th percentileof 4,226July 2026
Labor force participation ±3%2024 ACS 5-Year79.7%Top 45%of 31,5132024 ACS 5-Year
Mean annual wageSan Francisco-Oakland-Fremont, CA Metro Area’s figure2025 OEWS$100,220Top 2%of 3,7292025 OEWS
Median annual wageSan Francisco-Oakland-Fremont, CA Metro Area’s figure2025 OEWS$74,260Top 2%of 3,7292025 OEWS
Public transit to work ±1%2024 ACS 5-Year4.2%95th percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)Contra Costa County, CA’s figureJuly 2026−0.4%Top 29%of 4,226July 2026
Unemployment rateContra Costa County, CA’s figureJuly 20264.8%Bottom 32%of 4,226July 2026
Worked from home ±4%2024 ACS 5-Year39.8%98th percentileof 31,4332024 ACS 5-Year

Median household income, successive ACS releases

2021202220232024216k168k
Each point is a separate five-year estimate, most recently $216,193 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

Largest occupations — San Francisco-Oakland-Fremont, CA

OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides119,120$35,950
Software Developers69,030$186,640
Fast Food and Counter Workers49,970$43,870
General and Operations Managers43,520$149,990
Registered Nurses41,750$186,610
Retail Salespersons39,460$43,850

Searches the 40 largest occupations here that have a published wage.

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Contra Costa County, CA, which contains this city.

82% of students met the state standard in mathematics and 89% in reading, across the schools here that reported results.

There are 21.1 students for every full-time teacher across 5 public schools, more than in most measured places.

Public schools
5
2024-25 school year
Students per teacher
21.1
across all schools here
Math proficiency
82.4%
Top 1% in California
Reading proficiency
89.3%
Top 1% in California
All 5 public schools on record, largest first.
SchoolDistrictStudentsPer teacherMathReading
Campolindo HighAcalanes Union High1,34020.084%94%
Joaquin Moraga IntermediateMoraga Elementary65821.984%89%
Donald L. Rheem ElementaryMoraga Elementary44123.280%87%
Los Perales ElementaryMoraga Elementary36622.982%82%
Camino Pablo ElementaryMoraga Elementary34020.077%82%

5.5% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against California’s own standard, so it is ranked within state. How to read school figures.

Prices for everything a household buys run about 18% above the national average — the Bureau of Economic Analysis index reads 117.6, against 100 for the nation. Nationally, housing drives most of the spread between places in this index; other goods vary far less.

The Federal Housing Finance Agency’s house price index for the Oakland-Fremont-Berkeley, CA Metropolitan Division is up 8.2% over five years, but down 4.8% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $2,912, close to the $2,895 tenants already here pay.

At HUD’s Fair Market Rent of $2,912 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $116,500 a year, about 54% of the median household income here of $216,193.

The typical renter household here spends 39% of its income on rent, above the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $2,895 a month.

A median home at $1,663,200 costs 6.8 times the median income of its owner-occupied households, $246,125, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Cost of living
117.6

Prices here run about 18% above the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Published for the San Francisco-Oakland-Fremont, CA Metro Area as a whole. Prices are regional — people shop, commute and rent across a metropolitan area rather than within a city boundary — so this describes the cost of living around this place better than a figure drawn to its own limits would.

Rent as a share of income
39.3%
Above the 30% cost-burdened threshold
Home price to income
6.8×
median home value ÷ owner household income
Market rent, two bedroom
$2,912
what a new lease costs · FY2026
Median gross rent
$2,895
what tenants now pay · 2024 ACS 5-Year
Median home value
$1,663,200
2024 ACS 5-Year

The figures above are measured against Moraga’s median household income of $216,193, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Cost of living indexthe San Francisco-Oakland-Fremont, CA Metro Area’s figure2023117.6Bottom 2%of 3,7002023
Home price change (1 year)the Oakland-Fremont-Berkeley, CA Metropolitan Division’s figure2026 Q2−4.8%1st percentileof 4,1542026 Q2
Home price change (5 years)the Oakland-Fremont-Berkeley, CA Metropolitan Division’s figure2026 Q2+8.2%1st percentileof 4,1542026 Q2
Home price change (10 years)the Oakland-Fremont-Berkeley, CA Metropolitan Division’s figure2026 Q2+45.6%2nd percentileof 4,1542026 Q2
Home price to income ±0.82024 ACS 5-Year6.8Bottom 3%of 26,8152024 ACS 5-Year
Homeownership rate ±4%2024 ACS 5-Year83.1%65th percentileof 31,7172024 ACS 5-Year
Housing units ±2312024 ACS 5-Year5,71990th percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$2,385Bottom 8%of 4,072FY2026
Market rent, three bedroomFY2026$3,724Bottom 7%of 4,072FY2026
Market rent, two bedroomFY2026$2,912Bottom 7%of 4,072FY2026
Median gross rent ±$5932024 ACS 5-Year$2,895Bottom 1%of 23,1202024 ACS 5-Year
Median home value ±$88,8212024 ACS 5-Year$1,663,20099th percentileof 29,1112024 ACS 5-Year
Median property taxes2024 ACS 5-Year$10,000+—2024 ACS 5-Year
Owner household income ±$24,6282024 ACS 5-Year$246,125Top 1%of 27,5482024 ACS 5-Year
Rent as a share of income ±17%2024 ACS 5-Year39.3%Bottom 12%of 22,9502024 ACS 5-Year
Seasonal and second homes ±252024 ACS 5-Year1770th percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year0.3%54th percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year2.7%25th percentileof 31,7692024 ACS 5-Year
Vacant housing units ±1052024 ACS 5-Year17075th percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures and the cost-of-living index.

Development Momentum

34/ 100
Ranks 3,365 of 4,224 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has fallen 1% since 2020, to 16,698 in 2024.

Federal tax returns show Contra Costa County, which contains Moraga, lost about 0.5% of its residents through moves within the US in the most recent year, counting those who arrived against those who left. Households that moved in reported an average income of $133,120, close to the $130,977 of households that moved out.

At 1.3 permitted units per 1,000 residents, building activity is below the median for measured US cities. The permit rate is published for Contra Costa County, CA, which contains Moraga, rather than for Moraga alone.

Units permitted
1,465
12 months ending July 2026
Per 1,000 residents
1.3
Bottom 30% nationally
Year over year
+17%
vs the prior twelve months
Multifamily share
21.8%
units in 5+ unit buildings

Population, annual estimates

2020202120222023202417k17k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population. It has been holding roughly steady, over a series running from 2020 to 2024.

People moving in and out

Net migration
−0.5%
of residents, in a year
Arrivals from another state
21%
of people moving in
Income of arrivals
$133,120
average per tax return
Income of those who left
$130,977
average per tax return

Where newcomers came from

  1. Alameda County, CA 12,831 people · 30% of arrivals
  2. San Francisco County, CA 3,554 people · 8.3% of arrivals
  3. Santa Clara County, CA 3,245 people · 7.6% of arrivals
  4. San Mateo County, CA 2,428 people · 5.7% of arrivals
  5. Solano County, CA 2,147 people · 5.0% of arrivals

Where people who left went

  1. Alameda County, CA 7,605 people · 16% of departures
  2. Solano County, CA 3,871 people · 8.1% of departures
  3. San Francisco County, CA 2,309 people · 4.9% of departures
  4. Sacramento County, CA 1,960 people · 4.1% of departures
  5. San Joaquin County, CA 1,931 people · 4.1% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Contra Costa County, CA. IRS Statistics of Income, filing years 2022–2023.

The Census Bureau's Building Permits Survey lists only jurisdictions that issue their own permits, and Moraga, CA is not one. This is the figure for Contra Costa County, CA, which contains this city.

Weather & climate

8 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 72°F and January a low of 42°F.

Normal annual precipitation is 18.7 inches.

Air quality measures a median index of 48, in the Good band, and no day in the year passed 100.

30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station OAKLAND METRO INTL AP, 10.1 miles from this location.

Precipitation

JFMAMJJASOND3.8"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index2024 calendar year632024 calendar year
Annual precipitation1991-2020 Normals18.7"1991-2020 Normals
Average January low1991-2020 Normals42°F1991-2020 Normals
Average July high1991-2020 Normals72°F1991-2020 Normals
Comfortable months1991-2020 Normals81991-2020 Normals
Days above AQI 1002024 calendar year02024 calendar year
Median air quality index2024 calendar year482024 calendar year
Seasonal temperature swing1991-2020 Normals15°F1991-2020 Normals

Air quality

Median air quality index
48
Good on a typical day
Worst tenth of days
63
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. Air quality is measured by EPA monitors and published by county only where a monitor sits; a county without one shows nothing rather than an estimate, and a county reading is still the county’s. How to read climate and air quality.

Physical risk

23 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, inland flooding and heat wave, with earthquake alone responsible for 53% of it.

EarthquakeHigh
Inland floodingHigh
LandslideModerate
Heat waveModerate
WildfireModerate
DroughtModerate
AvalancheModerate

Low or minimal exposure: lightning, volcanic activity, coastal flooding, tornado, tsunami, strong wind, hail, winter weather, cold wave, ice storm, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Violent crime
90
per 100,000 residents · 2025 calendar year
Property crime
234
per 100,000 residents · 2025 calendar year

Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.

Moraga's police department reported 90 violent offenses per 100,000 residents, lower than most places with a department reporting. Property crime runs at 234.

Contra Costa County records 4.0 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 5.8 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.

Drug overdose deaths run at 17.0 per 100,000 residents in Contra Costa County.

Homicide
4.0
per 100,000 residents
Firearm deaths, all intents
5.8
per 100,000 residents
Drug overdose
17.0
per 100,000 residents
Suicide
8.7
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Offenses are reported to the FBI by Moraga’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Moraga (Contra Costa County) rather than Moraga itself. Neither is part of the Area Score. How to read crime rates and death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. The cost-of-living index above is a price level for all consumption, not a household budget, and it excludes taxes. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

6 major airports lie within 100 miles, the nearest Oakland San Francisco Bay at 10 miles.

MetricValueCompared nationallySource period
Broadband access ±2%2024 ACS 5-Year98.4%Top 12%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle10 miTop 27%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle6Top 27%of 4,226NASR current cycle
No internet access ±1.0%2024 ACS 5-Year1.1%Top 15%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Oakland San Francisco BayOAK10 mi10,520 ft
San Francisco IntlSFO21 mi11,870 ft
Mineta San Jose IntlSJC35 mi11,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
51
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Other cities in San Francisco-Oakland-Fremont, CA

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
San FranciscoSan Francisco County830,23556San Francisco vs Moraga
OaklandAlameda County439,41849Oakland vs Moraga
FremontAlameda County228,29560Fremont vs Moraga
HaywardAlameda County158,80143
ConcordContra Costa County124,03542
BerkeleyAlameda County120,25753
AntiochContra Costa County116,47740
RichmondContra Costa County115,50539
San MateoSan Mateo County103,10554
Daly CitySan Mateo County101,96454
San LeandroAlameda County87,82643
San RamonContra Costa County85,99355

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

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Moving to Moraga from somewhere else?

You get the difference in prices, rent and weather, and the income that would keep pace.

Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
SafetyFederal Bureau of Investigation, Crime Data Explorer
Summarized offense counts by law enforcement agency
2025 calendar year
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWS
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimate
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar year
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.

ZIP codes in Moraga

1 ZIP area

Every ZIP area in Moraga with census figures of its own, largest first. The ones linked below diverge enough from the city as a whole to carry a full profile; the rest track Moraga closely, so their figures are here rather than on a page that would repeat this one. An Area Score is calculated for published profiles only, which is why it is blank on those rows.

ZIPPopulationMedian household incomeMedian home valueArea Score
9455615,998$215,720$1,659,600—