Moraga, CA population, income and ZIP codes

Moraga town is a mid-size town in California, with 16,790 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #387 of 1,618 ranked by population — larger than 76% of them. The median age here is 41.4 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Moraga town earn a median of $199,800 a year, 154.4% above the national figure of $78,538 and 119% above the $91,111 median for the 1,050 California cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 8.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Moraga town is valued at $1,597,600, 426.6% above the national figure and 171% above the $589,600 peer median, while median gross rent runs $3,119 a month, 121.8% above the national figure, or roughly $37,428 across a full year. A household on the local median income would put about 18.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 8×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 84.3% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 8× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.