Moraga cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexMoragaCaliforniaNational
Cost of living index209135100
IndexMoragaCaliforniaNational
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index420189100
Transportation index131125100
Utilities index108116100
Here we can see a simple outline of the cost of living in Moraga, CA. As you can see, with the average cost of living in Moraga, CA being 209, that puts it 54% higher than the average of California and 109% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Moraga, CA, the price of goods and services are 8% higher than the average of California as well as 15% higher than the nation's average.

Did you know?

  • The cost of living in Moraga is 54% higher than the California average.
  • The cost of living in Moraga is 109% higher than the national average.
  • The cost of housing in Moraga is 320% higher than the national average.
  • California general sales tax is 47% higher than the national average.
  • California state income tax is 55% lower than the national average.

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Compare Moraga, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Moraga, CA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Moraga, CA, then you would need to earn more income in order to maintain the same standard of living. To use the Moraga, CA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$147,925$12,327$3,451$4,438
Renters$73,162$6,097$1,707$2,195
The affordability of the housing market in Moraga, CA as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Moraga, CA homeowners, the median income is $147,925. This indicates that a monthly maximum of $3,451 should be spent by homeowners on all housing related costs. Renters have a median income of $73,162. This indicates that renters should have a maximum of $1,707 used for their rent related monthly costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
The California sales tax and California income tax rates should definitely be considered when determining the overall cost of living in Moraga, CA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The California sales tax is 7.5% and the maximum surtax is 10%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The California income tax rates range from 1% to 12.3%.

Goods & Services

ItemMoragaNational avg.Difference
Haircut $18.44$14.5926.4%
Beauty Salon $59.40$34.6871.3%
Toothpaste $3.14$2.4727.0%
Shampoo $1.09$1.026.7%
Movie $11.00$9.8711.5%
Bowling $6.63$4.3951.0%

Groceries

ItemMoragaNational avg.Difference
Ground Beef $3.97$4.4811.3%
Fried Chicken $2.07$1.4641.4%
Milk $2.77$2.3617.5%
Potatoes $3.69$3.0620.5%
Pizza $9.00$9.242.6%
Beer $9.93$8.6315.0%

Health Care

ItemMoragaNational avg.Difference
Optometrist $120.44$99.7820.7%
Doctor $127.57$105.0321.5%
Dentist $122.43$88.7038.0%
Ibuprofen $11.97$9.4127.2%
Lipitor $254.50$298.5014.7%

Housing

ItemMoragaNational avg.Difference
Home Price $902,600.00$175,700.00413.7%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $1,858.00$920.00102.0%

Transportation

ItemMoragaNational avg.Difference
Gasoline $2.80$2.0933.8%
Tire Balancing $55.37$45.2922.3%

Utilities

ItemMoragaNational avg.Difference
All Electricity$213.39$170.8024.9%
Phone $24.12$28.2614.6%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Pacheco, CA4,2951077%
Bay Point, CA21,58611313%
San Pablo, CA29,51611515%
Rollingwood, CA2,83211616%
Montalvin Manor, CA3,05511616%
Moraga, CA16,549209109%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Bridgeview, IL16,5501033%
Amesbury Town, MA16,55412828%
Aberdeen, WA16,54491-9%
Roosevelt, NY16,55414747%
Fremont, OH16,55586-14%
Moraga, CA16,549209109%
Source: The Moraga, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.