The story of this market
The typical home in ZIP 94575 sells for about $1,674,500, or $684 per square foot.
Prices are up +4.7% from a year ago, so sellers still have some momentum. Homes take about 26 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $3,000 a month.
ZIP 94575 — Moraga
The Moraga housing market remains highly competitive with limited inventory and high price points, reflecting its status as an affluent enclave. While year-over-year price growth remains positive, the market is sensitive to broader economic shifts and interest rate environments. Demand continues to be driven by the area's reputation for excellent schools and high quality of life.
This ZIP is ideal for affluent families seeking high-quality schools, suburban tranquility, and proximity to major Bay Area employment centers.
Median prices moved up 4.7% year over year.
Homes spend a median of 26 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 11.4% · poverty 90.3% — elevated distress and economic pressure.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 94575, Contra Costa County, CA
Moraga is served by a highly regarded public school district, which is a primary driver for family-oriented residency in the area.
The area faces standard California wildfire risk profiles common to the East Bay hills, influencing local insurance availability and premiums.
Economic momentum is driven by its proximity to major East Bay and San Francisco employment hubs, with limited new residential development due to geographic constraints.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (California) — Mello-Roos Community Facilities Act Special Parcel Tax Assessment: Levies an annual direct, non-ad valorem special tax directly on the parcel's secured property tax bill to fund designated community infrastructure (e.g., roads, sewer facilities, school facilities, emergency services) and repay municipal debt bonds. State (California) — California Homeowners' Property Tax Exemption: Reduces the taxable assessed value of the qualifying owner-occupied principal residence by $7,000 against the county assessment roll, generating a direct tax savings of approximately $70 annually (computed as $7,000 × 1% base rate). State (California) — California Proposition 13 Ad Valorem Real Property Tax: Establishes a base ad valorem tax rate capped at 1.0% of assessed value plus voter-approved local indebtedness and direct assessments (typically resulting in an effective tax rate of 1.1% to 1.25%).
Residents primarily commute to employment centers in Walnut Creek, Oakland, and San Francisco via personal vehicle or regional transit connections.
The area features extensive open space, hiking trails, and the Moraga Country Club, providing significant outdoor and recreational amenities.
The rental market is characterized by high demand and limited inventory, with rents reflecting the town's status as an affluent, family-centric community.
The local economy is largely residential and service-oriented, supported by the presence of Saint Mary's College and proximity to the broader East Bay corporate corridor.
Transportation relies heavily on regional highway corridors connecting to BART stations in neighboring cities for access to the wider Bay Area.
Development is strictly managed with a focus on preserving the town's suburban character and open space, limiting large-scale new construction.
The Contra Costa County Assessor manages property valuations in accordance with state constitutional mandates.
Parcels are subject to various special district levies, including those for local school districts and regional utility services.
Property insurance markets in the region are increasingly sensitive to wildfire risk, leading to higher premiums and stricter underwriting standards.
Data aggregated from multiple census-based sources for ZCTA 94575.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A private club featuring golf, tennis, and social facilities.
A major local institution that influences the town's cultural and service landscape.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.