What is the cost of living in Moraga, CA?
According to the most recent data on the cost of living, Moraga has an overall cost of living index of 242, which is 2.4x higher than the national index of 100.
Compared to California, Moraga has a cost of living index that's 1.7x higher than California's index of 142.
The standard of living in Moraga ranks as #580 most affordable out of the 634 places we measured in California. By definition, that implies Moraga ranks as the #54 most expensive place in the Golden State.
For more reading on life in Moraga, check out:
Moraga Cost Of Living Vs. California
Six factors go into calculating the cost of living index in Moraga. Here is how it fares on each of the criteria:
The Services index in Moraga is 113.
The Groceries index in Moraga is 114.
The Health index in Moraga is 525.
The Housing index in Moraga is 126.
The Transportation index in Moraga is 122.
The Utilities index in Moraga is 121.
| Living Expense | Moraga | California | National Average |
|---|---|---|---|
| Overall | 242 | 142 | 100 |
| Services | 113 | 110 | 100 |
| Groceries | 114 | 118 | 100 |
| Health | 525 | 197 | 100 |
| Housing | 126 | 120 | 100 |
| Transportation | 122 | 121 | 100 |
| Utilities | 121 | 121 | 100 |
Moraga Cost Of Living Compared To California Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around California, check out:
Protect your home budget Compare home warranties in Moraga Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Moraga, CA Housing Cost Breakdown
Housing swings affordability the most between places in California, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Moraga is $1,666,829.
The Median Rent in Moraga is $2,895.
The Median Income in Moraga is $216,193.
The Home Value To Income in Moraga is 7.7x.
The Rent To Monthly Income in Moraga is 0.16x.
| Statistic | Moraga | California | United States |
|---|---|---|---|
| Median Home Value | $1,666,829 | $774,581 | $332,700 |
| Median Rent | $2,895 | $2,036 | $1,413 |
| Median Income | $216,193 | $99,122 | $80,734 |
| Home Value To Income | 7.7x | 7.8x | 4.1x |
| Rent To Monthly Income | 0.16x | 0.25x | 0.21x |
Moraga, CA Costs By Category
Detailed Moraga Services costs vs. California
| Item | Moraga | California |
|---|---|---|
| Shampoo | $1.45 | $1.28 |
| Movie | $16.46 | $12.13 |
| Bowling | $27.22 | $18 |
| Haircut | $25.0 | $24.26 |
| Beauty Salon | $76.0 | $45.56 |
Detailed Moraga Groceries costs vs. California
| Item | Moraga | California |
|---|---|---|
| Ground Beef | $5.7 | $5.84 |
| Fried Chicken | $3.43 | $1.57 |
| Milk | $4.91 | $4.67 |
| Potatoes | $4.87 | $4.93 |
| Pizza | $13.49 | $12.09 |
| Beer | $11.18 | $10.41 |
| Toothpaste | $3.64 | $3.7 |
Detailed Moraga Health costs vs. California
| Item | Moraga | California |
|---|---|---|
| Optometrist | $137.4 | $125.68 |
| Doctor | $110.0 | $135.78 |
| Dentist | $118.27 | $113.29 |
Detailed Moraga Transportation costs vs. California
| Item | Moraga | California |
|---|---|---|
| Gasoline | $4.6 | $3.46 |
| Tire Balancing | $60.97 | $59.92 |
Detailed Moraga Utilities costs vs. California
| Item | Moraga | California |
|---|---|---|
| All Electricity | $182.51 | $193.99 |
| Phone | $180.31 | $192.25 |
Moraga SnackAbility
Cost Of Living In Cities Around Moraga
The cost of living varies in the cities and towns around Moraga. Here's a quick look at the cost of living in the most populous nearby places:
San Ramon, CA has a cost of living index of 221, 0.9x Moraga.
Mountain View, CA has a cost of living index of 287, 1.2x Moraga.
Pleasanton, CA has a cost of living index of 232, 1.0x Moraga.
| City | Population | Cost Of Living | Vs. Moraga |
|---|---|---|---|
| San Ramon, CA | 85,993 | 221 | 0.9x |
| Mountain View, CA | 83,732 | 287 | 1.2x |
| Pleasanton, CA | 76,960 | 232 | 1.0x |
| Dublin, CA | 70,803 | 215 | 0.9x |
| Walnut Creek, CA | 70,088 | 198 | 0.8x |
| South San Francisco, CA | 64,305 | 205 | 0.8x |
| San Lorenzo, CA | 29,171 | 170 | 0.7x |
| Lafayette, CA | 25,285 | 281 | 1.2x |
| Orinda, CA | 19,514 | 274 | 1.1x |
| Alamo, CA | 14,488 | 305 | 1.3x |
