Moraga, CA—94556
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Moraga, CA
As of Oct '25, the median home price in Moraga, CA is $1,589,000, with a year-over-year change of -5.0%. This indicates that home prices in Moraga, CA are decreasing. According to Zillow, the 1-year price projection is -2.3%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $1,589,000 | -5.0% |
| Single Family | $1,674,000 | -4.6% |
| Condos | $677,000 | -4.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $399,000 | -4.5% |
2 Bed | $709,000 | -4.4% |
3 Bed | $1,326,000 | -4.3% |
4 Bed | $1,789,000 | -4.7% |
| 5 Bed | $2,084,000 | -4.4% |
% of Housing Stock
Rental Trends — Moraga, CA
As of July '25, Rentcast reports the average rent in Moraga, CA is $4,360, with a year-over-year rent change of -3.5%. Per bedroom, the median rent as of July '25 in Moraga, CA is 1-bedrooms: $2,070, 2-bedrooms: $3,080, 3-bedrooms: $4,490, 4-bedrooms: $6,770. The most common rental property sizes in Moraga, CA are 2-bedroom and 3-bedroom, accounting for 35.0% and 32.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $4,000 | $4,360 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,100 | $2,070 |
| 2 Bed Rent | $2,900 | $3,080 |
| 3 Bed Rent | $4,500 | $4,490 |
| 4 Bed Rent | $6,250 | $6,770 |
% of Rental Stock
Property Listings — Moraga, CA
As of Oct '25, Realtor.com reports that the median days on market for a home in Moraga, CA is 42. This is a increase of 39.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $1,400,000 | -6.0% |
Listing Count | 45 | 8.0% |
| Listings as % of Homes | 0.1% | 8.0% |
Days on Market | 42 | 39.0% |
Demographics — Moraga, CA
As of the latest ACS Survey released in 2023, Moraga, CA has a population of 15,900, which has decreased by -2.7% over the past 5 years. Moraga, CA is a moderately popular place for families, as children make up 22.9% of the population. The area has a highly educated workforce, with 80.8% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 36.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,900 | -2.7% |
% Under 18 | 22.9% | 1.3% |
% Seniors | 22.0% | -2.7% |
% WFH | 36.0% | 236.4% |
% w/ College Degree | 80.8% | 8.9% |
As of the latest ACS Survey released in 2023, Moraga, CA is a predominantly white area, with 61.6% of the population identifying as white. The white population has shrunk by 12.9% in the last 5 years. The second most common race or ethnicity in Moraga, CA is asian, making up 22.4% of the population. Foreign-born residents account for 20.1% of the population in Moraga, CA, and this percentage has increased by 36.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 61.6% | -12.9% |
% Black | 0.6% | -14.3% |
% Hispanic | 8.1% | 30.6% |
% Asian | 22.4% | 36.6% |
% Foreign Born | 20.1% | 36.7% |
Mortgage and Risk — Moraga, CA
According to HUD data as of 2023, there were 211 mortgage originations in Moraga, CA, of which 99.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 3.0% above 90% LTV (normal). This implies small mortgage risk in Moraga, CA. Investor activity is low, as 2.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 211 |
% Conventional Loans | 99.0% |
% Government Loans | 1.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Moraga, CA
As of 2024, the percent of homes in Moraga, CA under the Section 8 program is 0.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom units appear to be good home sizes to consider for Section 8 housing in Moraga, CA, because HUD payments exceed market rent, while 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 0.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $490 | $2,100 | $2,590 |
| 2 Bedroom | $250 | $2,900 | $3,150 |
| 3 Bedroom | -$470 | $4,500 | $4,030 |
| 4 Bedroom | -$1,460 | $6,250 | $4,790 |
Affordability — Moraga, CA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8 |
| Median Home Price | $1,589,000 |
| Median Household Income | $199,000 |