ZIP Code · CA

ZIP 94556

Part of Moraga, CA

Pop. 15,998·Contra Costa County·313th most expensive ZIP in California

Median rent (all units)

$3,060/mo

Year-over-Year

Stable

Month-over-Month

+0.3%

vs US Median

+$1,128

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 94556 · $3,060

More expensive than 91% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$2,610

1 BR

$2,910

2 BR

$3,550

3 BR

$4,540

4 BR+

$5,380

Research median

$3,550/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($215,720) is $5,393 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($5,380).

Cheaper nearby

ZIP 94602, 6 miles away, rents for 11% less ($2,730/mo), about $4,000 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 94556. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$36,720/yr

At $3,060/mo median

Location

CityMoraga

StateCA

CountyContra Costa County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, +0.3% MoM), not inventory.

Demographics

Who lives here

ZIP 94556 (Moraga, CA) is majority owner-occupied, has a large retiree population, has a median income above the national average, 81.9% of residents hold a bachelor's degree or higher.

Population

15,998

Median income

$215,720

Median age

42.4

Renters

17.1%

Age distribution

23.9%

15.9%

26.6%

12.7%

20.8%

Under 1823.9%

18–3415.9%

35–5426.6%

55–6412.7%

65+20.8%

Gender

49.5%

50.5%

Male49.5%

Female50.5%

Race & ethnicity

61.5%

23%

White61.5%

Black1.1%

Hispanic8.8%

Asian23%

Other5.7%

Education (25+)

12.7%

81.9%

No HS diploma1.2%

HS diploma4.3%

Some college12.7%

Bachelor's+81.9%

Housing tenure

82.9%

17.1%

Owner82.9%

Renter17.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 94556 in Moraga, CA has changed in 5 years

Income

$167,500 → $215,720

up 28.8%

Population

15,672 → 15,998

up 2.1%

Renter share

15% → 17.1%

+2.1 pts

Bachelor's+

77.1% → 81.9%

+4.8 pts

Median age

44.1 → 42.4

-1.7 yrs

Median household income climbed from $167,500 to $215,720 between 2021 and 2024, a 28.8% shift. Census counts show ZIP 94556 in Moraga, CA adding about 326 residents over the five-year window, up 2.1% on net. The renter share has risen from 15% to 17.1%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 77.1% to 81.9% across the same window.

Community

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Local insights

Tips for renters in ZIP 94556

About renting in ZIP 94556

Last updated: October 17, 2026

ZIP code 94556 covers Moraga, CA. The median rent here is $3,060/mo as of October 2026. A 1-bedroom rents for a median of $2,910/mo. A 2-bedroom rents for a median of $3,550/mo.

At 17% of local median household income ($215,720/yr), ZIP 94556 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 94556?

To keep rent at or below 30% of gross income, you would need to earn at least $122,000/year (about $59/hour full-time) to afford the median rent of $3,060/mo in ZIP 94556. The local median household income is $215,720/yr, so the typical household meets that bar.