CALCMONEY // HOME AFFORDABILITY // CA // MORAGA
How much house can you afford in Moraga? Based on local median home prices, current CA mortgage rates, and Moraga property tax data.
$1,650,000
$10,341/mo
$443,172/yr
$945,952
Monthly housing costs of $10,341 represent 43.5% of Moraga's median gross monthly income ($23,750/mo). At 43.5%, median-income buyers in Moraga are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $1,650,000 |
| Down Payment (20%) | $330,000 |
| Loan Amount | $1,320,000 |
| Monthly PI Payment | $8,649 |
| Monthly Property Tax | $1,004 |
| Monthly Insurance Est. | $688 |
| Total Monthly PITI | $10,341 |
| Housing Cost % of Income | 43.5% |
| Required Income (28% rule) | $443,172/yr |
| Max Affordable Home | $945,952 |
$57,750
$13,252/mo
Moraga Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $1,650,000 | Moraga city median |
| Down Payment (20%) | $330,000 | Conventional loan |
| Monthly PITI | $10,341 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $443,172 | Annual gross |
| Max Affordable Home | $945,952 | Based on median income |
| FHA Down (3.5%) | $57,750 | Minimum FHA |
| Housing Cost % of Income | 43.5% | Median income: $285,000/yr |
| Property Tax Rate | 0.73% | $12,045/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Moraga is $1,650,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $1,320,000, generating a monthly P&I payment of $8,649. Adding property taxes ($1,004/mo) and homeowners insurance ($688/mo) brings total monthly PITI to $10,341.
Moraga's property tax rate of 0.73% is among the lower rates in the country, which improves overall affordability by keeping total PITI closer to the principal and interest payment alone. On the Moraga median home, that is $1,004/month, or $12,045 per year.
California levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Moraga should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Moraga's median income of $285,000/year can afford up to $6,650/month in total housing costs. Based on Moraga's mortgage rate of 6.85% and property tax rate of 0.73%, that translates to a maximum affordable home price of approximately $945,952 with 20% down on a 30-year loan.
To afford the median Moraga home priced at $1,650,000, you need an annual gross income of approximately $443,172. Total monthly housing costs (principal and interest of $8,649, property taxes of $1,004, and insurance of $688) come to $10,341/month, which equals 28% of the required income.
At the median home price of $1,650,000 and median household income of $285,000, the total monthly housing cost of $10,341 represents 43.5% of gross monthly income. This is well above the standard 28% threshold, making Moraga a challenging market for buyers at median income.
A conventional 20% down payment on the median Moraga home of $1,650,000 is $330,000. An FHA loan requires just 3.5% down — $57,750 — but adds mortgage insurance of roughly $1,128/month, bringing total FHA payments to $13,252/month.
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