HomeCaliforniaContra Costa CountyMoraga
Moraga, California: commercial real estate data.
Moraga is a Census town of 16,769 people across 9.46 square miles of land, in Contra Costa County. Median household income is $216,193, 83.1 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $3.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Moraga
What Moraga is
- Census place typetown
- Land area9.46 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,772
- County holding the largest share of its areaContra Costa County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraga
How many people live in Moraga
- Population16,769
- Median age40.1
- Population under 183,800
- Share under 1822.7 percent
- Population 65 and over3,327
- Share 65 and over19.8 percent
- Households5,549
- Family households4,260
- Share of households that are families76.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraga
Income and work in Moraga
- Median household income$216,193
- Per capita income$94,211
- Civilian labor force7,765
- Employed7,267
- Unemployed498 plus or minus 145
- Unemployment rate6.4 percent plus or minus 1.8
- Adults 25 and over10,375
- Adults 25 and over with a high school diploma or higher98.9 percent
- Adults 25 and over with a bachelor degree or higher81.8 percent
- Adults 25 and over with a graduate degree41.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraga
Housing in Moraga
- Housing units5,719
- Occupied units5,549
- Vacant units170 plus or minus 105
- Vacancy rate3.0 percent plus or minus 1.8
- Owner occupied4,613
- Renter occupied936 plus or minus 191
- Ownership rate83.1 percent
- Median owner-occupied home value$1,663,200
- Median gross rent, monthly$2,895 plus or minus $593
- Annual rent as a share of median income16.1 percent plus or minus 3.6
- Single family units4,729
- Share single family82.7 percent
- Units in buildings of two or more905 plus or minus 238
- Share in buildings of two or more15.8 percent plus or minus 4.1
- Mobile homes85 plus or minus 75
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraga
How Moraga gets to work
- Workers 16 and over who commute4,287
- Commuting under 15 minutes1,039 plus or minus 228
- Share commuting under 15 minutes24.2 percent
- Commuting 30 minutes or more2,224
- Share commuting 30 minutes or more51.9 percent
- Drove alone43.4 percent
- Carpooled5.6 percent plus or minus 2.6
- Public transport4.2 percent plus or minus 1.4
- Walked5.5 percent plus or minus 1.6
- Worked from home39.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Moraga
SBA loans in Moraga (7(a))
- Approvals13
- Gross approval$3,554,600
- Average approval$273,431
- Median approval$150,000
- Largest approval$1,005,900
- Jobs supported52
- Jobs per approval4.0
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more7.7 percent
- Share to franchises15.4 percent
- Distinct lenders7
- Distinct industries by NAICS11
Counted by borrower city: approvals to borrowers whose address is in Moraga, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Moraga
SBA loans in Moraga (504)
- Approvals7
- Gross approval$4,476,000
- Average approval$639,429
- Median approval$551,000
- Largest approval$1,091,000
- Jobs supported61
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Moraga, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Moraga
Flood risk in Moraga
- NFIP communityTown of Moraga
- NFIP community number060637
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/16/09
The Town of Moraga participates in the National Flood Insurance Program as community 060637 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Contra Costa County, not Moraga
Contra Costa County context, not Moraga figures
- Establishments in Contra Costa County25,932
- Covered employment, Contra Costa County373,992
- Average annual pay, Contra Costa County$86,234
- Housing units permitted, Contra Costa County2,155
Every figure in this section is published for Contra Costa County as a whole and is not a measurement of Moraga.
All Contra Costa County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Moraga questions, answered from the record.
How many people live in Moraga, California?
16,769, in 5,549 households. Moraga town covers 9.46 square miles of land, which is 1,772 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Moraga in?
Contra Costa County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Moraga?
$216,193. The median owner-occupied home is valued at $1,663,200. Median gross rent is $2,895 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Moraga businesses?
13 7(a) approvals totaling $3.6 m since FY2020, across 7 lenders, median approval $150,000, plus 7 504 approvals worth $4.5 m since FY2010. These count approvals to borrowers whose address is in Moraga, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Moraga borrowers get paid back?
No rate is published for Moraga. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Moraga in the National Flood Insurance Program?
Yes. Moraga appears in the FEMA Community Status Book as Moraga, town of, community 060637, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Moraga figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Contra Costa County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Moraga.
Is zoning published for Moraga?
No. Nothing on this page presents parcel level zoning.