Moraga Housing Market · 2026

Data through May 2026

Moraga Market Snapshot

Moraga favors sellers, but smart buyers can still win. Here's the picture:

Based on 21 homes sold in May 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.

Data through May 2026

SalesWhat are homes selling for?
Median Sale Price
$1.60M
Down 10.1% from May 2025
Down $180K from May 2025
Homes Sold
21
Sold in the most recent month. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$9,932/mo
6.49% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$8,082
  • Property Tax$1,667
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
12 days
1 fewer day than in May 2025
Homes sell in a week or two
Sale-to-List Ratio
101.5%
Up from 101.3% in May 2025
Selling at or near asking price
% Sold Over Asking
52%
More than half of homes sold above their asking price
Active Listings
38
Down 11.6% from May 2025
About 1.8 months of supply. Very low, limited options for buyers

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Moraga.

Median Sale Price
Down 10.1% year-over-year in Moraga. Based on 21 sales in the most recent month.
Homes Sold
62% more homes sold than a year ago in Moraga.
Total Monthly Payment
Estimated monthly cost is down 13% from a year ago in Moraga, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 6.49%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Moraga

Is now a good time to buy in Moraga?

Moraga currently favors sellers. Homes sell near or above asking, and well-priced listings move quickly. Buyers who come in prepared with strong financing and realistic expectations tend to succeed.

How do Moraga home prices compare to the Bay Area average?

At $1.60M, Moraga's median is close to the Bay Area average of $1.85M.

By home type:

  • Single-family homes at $2.00M
  • Townhomes at $767K
What price range should I budget for in Moraga?

Prices in Moraga depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $2.00M
  • Townhomes at $767K

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is Moraga for buyers?

Moraga currently favors sellers:

  • Homes sell about 1% above asking on average
  • 52% close above list price
  • 12 days typical time to go pending
  • 21% of listings have had a price reduction

Buyer strategy: well-priced homes still move quickly, but there is modest room for strong offers. Come in pre-approved with a clear plan.

What will my total monthly cost be on a median-priced Moraga home?

At $1.60M with 20% down at 6.49%, your estimated total monthly cost is approximately $9,932:

  • $8,082 principal and interest
  • $1,667 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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