What it's like to live in Moraga
Moraga is a small city in California with household incomes running above the national average, crime rates well below the national average, and a highly educated workforce. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Moraga deals with rent well above the national average, home prices well above the national average, commute times longer than most cities, and air quality that falls short of national benchmarks.
The good
- Higher-than-average incomes
- Low crime rates
- Highly educated workforce
The not so good
- Rent well above the national average
- High home prices
- Above-average commute times
- Air quality concerns
- Shrinking population
- High student-teacher ratio
How Moraga compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Moraga
Based on Moraga's median rent, home value and household income
To rent
$5,790
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $115,800 a year
- 55% of Moraga renters spend 30% or more of their income on rent
To buy
$332,640
a 20% down payment on the median home
- With 10% down: $166,320
- Homes cost 7.7× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 105% above US
$2,895/mo median rent
Rent is expensive here, at $2,895 a month median and well above the national average. This is the kind of city where housing costs deserve serious budgeting before committing to a move. Home prices are steep, with a median around $1,663,200. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $1,663,200 · 55% of renters cost-burdened
Job market
4.8% county unemployment
Unemployment in Contra Costa County is 4.8%, somewhat above the national average of 4.3%. Lining up work before the move is the safer route. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Contra Costa County (county-wide)
Safety▼ 73% below US
90 violent crimes per 100k
Safety is genuinely one of the selling points here. Both violent and property crime run well below the national average, the kind of numbers that fade into the background after a week of living somewhere.
Property crime 234/100k · Moraga Police Department · 2025 data
Getting around▲ 18% above US
31 min average commute
Traffic is a real factor here. The 30.6 minute average means plenty of commuters are pushing 45 to 60 minutes on a bad day. Proximity to work matters more here than it might elsewhere. 5 in 10 workers drive to work; 40% work from home.
How workers get to work
Climate
Summers are comfortable, with highs around 74°F, and winters are mild, with lows rarely dropping below 44°F.
Average month
30-year averages, 1991–2020
Education & workforce▲ 127% above US
82% bachelor's degree or higher
This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.
Schools
5 public schools inside the boundary
There are 5 public schools inside the boundary and 2 private schools. The student-to-teacher ratio is 21:1, above the national average of 16:1.
Parks & recreation
The nearest national park or historic site is Eugene O'Neill National Historic Site (5 miles away). There are 8 national parks and sites within a day's drive.
Bottom line
Moraga's strongest points are household incomes running above the national average and crime rates well below the national average; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($2,895/mo) equals 16% of the median household income here, less than the 21% typical nationwide. It tends to suit anyone prioritizing low crime, remote workers (40% of workers here already work from home), and college-educated professionals. It may be a harder fit for renters on a tight budget.
Other places near Moraga
All California guides →Not sure Moraga is the one?
Put it side by side with another city.