HomeCaliforniaContra Costa CountyMoraga town
Moraga town, California: commercial real estate data.
Moraga town 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.
80 sourced place values · tier FULL · 9 sections · 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
- Ninetieth percentile approval$685,000
- 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
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Moraga
Flood risk in Moraga
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060637
- Currently effective map date06/16/09
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Contra Costa County, not Moraga
Contra Costa County context, not Moraga figures
These are Contra Costa County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Moraga measurements.
- Establishments in Contra Costa County25,932
- Employment at those establishments, Contra Costa County343,690
- Covered employment, Contra Costa County373,992
- Average annual pay, Contra Costa County$86,234
- Average weekly wage, Contra Costa County$1,658
- Housing units permitted, Contra Costa County2,155
- Of those, single family, Contra Costa County1,251
- County product, 2024, Contra Costa County$96,579,110,000
- County product change over the prior year, Contra Costa County1.5 percent
- Average income of an arriving household, Contra Costa County$162,744
Every figure in this section is published for Contra Costa County as a whole and is not a measurement of Moraga. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $3.6 m, across 7 lenders, median approval $150,000, plus 7 504 approvals worth $4.5 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Moraga in the National Flood Insurance Program?
Yes. Moraga appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.