Cost of living in Moraga, CA

Are you planning a move to Moraga, CA and wondering if it is an expensive place to live in? We’ll break down the cost of living in Moraga by answering the following key questions - what is expected cost of living Moraga, what is the median income in Moraga, what is a good livable salary in Moraga, and what are the average rent and home prices in Moraga.

Is Moraga expensive to live in?

Moraga is part of Oakland-Hayward-Berkeley Metro Div. metro area, which is ranked 7 out of 273 cities across the US in terms of cost of living. According to C2ER (the Council for Community and Economic Research), the cost of living in Moraga is estimated to be 154.7% of the national average making it one of the most expensive cities in the US.

Total monthly expenditure you can expect to incur depends on the cost of housing, food, utilities, transportation, healthcare, other miscellaneous goods and services. Note that your household composition (single or married, number of kids) and home ownership status (renting vs. owning) might affect your monthly expenses.

Moraga, CA is ranked
7/273 cities in the US
estimated to be 154.7% of the national average making it one of the most expensive cities in the US

What is a cost of living calculator?

A cost of living calculator helps you to assess how much you will need to make in order to live comfortably in a specific city. It takes into account various expenses that you will make in your daily lives (on housing, food, utilities, transportation, entertainment, etc.) and helps you determine a livable salary. The prices of goods and services vary in different cities, and hence having a cost of living index or calculator can make the decision to move easier by allowing you to directly compare one city with another.

How does Moraga compare with the rest of the US?

Moraga is ranked 7 out of 273 cities across the US in terms of cost of living. The cost of living in Moraga is 154.7% of the national average.

Compare Moraga to:

CategoryMoragaU.S. Average
Hamburger$5.65 (+19.92%)$4.52
Chicken (2 pcs)$4.09 (-1.32%)$4.14
Large Pizza$11.99 (+11.27%)$10.64
Milk (1/2 gal)$2.97 (+31.78%)$2.03
Bread$4.97 (+32.29%)$3.37
Doctor Visit$145.75 (+20.55%)$115.79
Dentist Visit$132.17 (+24.76%)$99.45
Rent$2,716.67 (+56.92%)$1,170.47
Mortgage$2,684.43 (+55.44%)$1,196.14
Gas$3.28 (+35.35%)$2.12
Energy Bill$274.94 (+39.71%)$165.76

Compared to national average
55% higher

Housing compared to national average
127% higher

Cost of Living Calculator for Moraga

Marital Status

Family Type

Your required pre-tax income
$0
Your required post-tax income
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CategoryExpenditure
Food$0
Utilities$0
Transportation$0
Healthcare$0
Housing (Rent / Mortgage)$0
Other Housing$0
Miscllaneous$0
Total Annual Expenditure$0

What is a livable salary in Moraga?

The median household income in a city certainly helps gauge the cost of living. The median household income in Moraga is $140,378, which is 86% more than that of the state. The median income for an individual is $46,419, which is 26% more than that of the state.

The minimum salary you need to live in Moraga is the sum of your daily expenses (groceries, utilities, transportation, entertainment), your monthly housing-related costs (rent, mortgage, insurance, maintenance), any debt expenses (monthly interest payments and principal paydowns), as well as your savings and investment goals.

A good rule of thumb for housing affordability is the 28% rule: your monthly rent or the sum of your monthly mortgage, property taxes, and insurance should not exceed 28% of your gross income (income before tax).

Understanding the expected costs in Moraga can help you determine whether a given salary is a livable salary. For instance, if you know the typical housing costs in Moraga, you can use widely followed simple rules to determine if you can afford it on your salary. A good rule of thumb for housing affordability is the 28% rule: your monthly rent or the sum of your monthly mortgage, property taxes, and insurance should not exceed 28% of your gross income (income before tax). Another good rule of thumb is the 50-30-20 rule which says 50% of the net income (income after tax) should be spent on needs, 30% on wants, and 20% on savings and investments. So plan to ensure that your net income covers your needs and wants, so that you can live comfortably in Moraga, CA.

Median Household Income
$140,378

Median Individual Income
$46,419

What is the average rent in Moraga?

Housing is generally the biggest monthly cost that you would need to account for. The average rent in Moraga (located in Oakland-Hayward-Berkeley Metro Div.) metro area for a 2-bed home is $2,716, which is 132% more than the average rent across the US. However, this average takes into account both metro and suburban areas. So, the costs may go up or down depending on which neighborhood you eventually decide to stay.

Rent compared to national average
132% more

What is the median home price in Moraga?

The median home price in Moraga is $1,455,000 with a median price per sqft of $706.

The cost of living index for housing estimates the cost of housing in Moraga to be 226.8% of the national average. This makes it one of the most expensive cities in the US.

Median Home Price
1.46m
Median Price Per Sqft
$706
Average Rent
$2,716
Housing Index
226.8%

About the cost of living data

  1. To calculate the cost of living, data has been taken from C2ER (Council for Community and Economic Research)
  2. The Cost of Living Index takes into account the data from 273 cities across the US
  3. The Cost of Living Index and hence, the ranking reflects cost differentials for professional households in the top income quintile

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