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.”
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.”
Data through Aug 2026
Moraga is a balanced market, but competition has been picking up. Here's where things stand:
Based on 45 homes sold in the 3 months ending August 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Updated weekly.
Data through August 2026
See how prices, monthly costs, and mortgage rates have moved in Moraga.
Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.
The median sale price in Moraga is $1.75M — up 33% from $1.32M in October 2021. Over that stretch, the median peaked at $1.97M in May 2022 and bottomed at $1.32M in October 2021. That puts today's price about 5% above the area's 5-year average of $1.66M. Each point is the median of a rolling 3-month window of closings, so the curve runs smoother than any single month; the multi-year direction is the signal.
What buyers actually pay has moved more than the sticker price suggests: a typical monthly payment (20% down, principal & interest) is about $8,997 today, up 99% from $4,532 in October 2021. Most of that increase comes from mortgage rates (3.1% then vs. 6.7% now), not prices — at October 2021 rates, today's median would run about $6,009/mo.
Seasonally, the three months ending in June have been the busiest stretch for closings in Moraga over the past 5 years (about 57 sales in that window on average, vs. 26 for the stretch ending in February), while competition has run hottest in the stretch ending in May (63% of homes selling over asking on average). That's an average across just 5 observations per month, so treat it as a tendency, not a rule.
Moraga is balanced but competition is picking up. It remains a reasonable environment for buyers, though acting decisively on well-priced homes is becoming more important.
At $1.75M, Moraga's median is close to the Bay Area average of $1.78M.
By home type:
Prices in Moraga depend heavily on home type and specific neighborhood. Median sale prices by type:
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.
Moraga is a balanced market where neither side dominates:
Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.
At $1.75M with 20% down at 7.28%, your estimated total monthly cost is approximately $11,586:
HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.
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