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Moraga town, CA

ZIP 94556 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 94556

Median Home Value
$1,594,100
Median Rent
$2,861
Affordability Snapshot
$439,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$10,240/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

8.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

46.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 94556 in Moraga town, CA, a household would need roughly $439,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $10,240. That is about 120% above the local median household income ($199,300), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.5%+29% vs US avg
x
Vacancy Rate
2.5%-75% vs US avg
x
Broadband Access
98.1%+13% vs US avg
x
4+ Bedrooms
11.5%-22% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
35.6%-28% vs US avg
x
Mortgage-Free
35.9%-6% vs US avg
x
$1,594,100
Home Value
$2,861
Rent
1972
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached71.1%
  • 1-unit attached13.4%
  • 2-9 units10.9%
  • 10+ units4.2%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,594,100
Median rent$2,861
Owner-occupied84.5%
Vacant2.5%
Price-to-income8.0x
Est. income to buy$439,000