PlainZIP

Moraga, CA · standard

ZIP Code 94556

Contra Costa County, California - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

15,229
481/sq mi
$215,720
Median income
$1,659,600
Median home value
81.9%
Bachelor's or higher

The verdict

Moraga pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 1%
household income, US ZIPs
Top 1%
home value, US ZIPs
481
people per sq mi
83%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 94556 against every reporting US ZIP.

ZIP code 94556 is a mid-sized community (a standard USPS delivery area) in Moraga, Contra Costa County, California, home to 15,229 residents across 31.6 square miles, a density of 481 people per square mile, in the Los Angeles time zone.

ZIP 94556 skews affluent, with a median household income of $215,720 (112% above the California average), while per-capita income is $99,286. 7.5% of residents live below the poverty line, and the unemployment rate reads 6.6%. The typical home here is valued at $1,659,600 (115% above the state average); renters pay a median of $2,906 monthly, and 82.9% of units are owner-occupied.

This is a highly-educated ZIP: 81.9% of adults hold a bachelor's degree or higher, the median age is 42.4, and the average commute is 32 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Contra Costa County, letting you compare 94556 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 94556

Top 5 sectors by establishment count in Moraga, CA

Which industries have the most business establishments in ZIP 94556.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 94556, Moraga, CA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

15,229

Population

31.6

Area (sq mi)

481

People / sq mi

Los Angeles

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 94556?

42.4

Median Age

49.5%

Male

50.5%

Female

21.1%

Foreign-Born

White 61.5%
African American 1.1%
Asian 23.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.7%
Hispanic or Latino 8.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$215,720

Median Household Income

+112% vs state

$99,286

Per Capita Income

7.5%

Poverty Rate

6.6%

Unemployment Rate

31.5 min

Mean Commute Time

How ZIP 94556 ranks nationally

Moraga, CA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$215,720 Top 1% higher than 99% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). Below this entry. $200,000–$220,000: 324 US ZIPs (1%). This entry sits in this band. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 86.1%
Bachelor's Degree or Higher 81.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,801

Total Housing Units

5,614

Occupied Units

187

Vacant Units

2.74

Avg Household Size

Occupancy Type

Owner 82.9%
Renter 17.1%

$1,659,600

Median Home Value

+115% vs state

$2,906

Median Rent

1972

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+10.3%

YoY Change (2022)

207

HPI Index (2000 = 100)

+107%

Total Change Since 2000

Home values in ZIP 94556 have increased 10.3% over the past year (2022). Since 2000, this ZIP has seen +107% cumulative appreciation.

Year Annual Change HPI Index
2018 +1.4% 214
2019 -5.4% 203
2020 -2.8% 197
2021 -4.9% 188
2022 +10.3% 207

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2022. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 336 business establishments in ZIP 94556, employing approximately 3,857 people with a combined annual payroll of $219,134,000.

336

Businesses

3,857

Employees

$219.1M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 74 22.0%
Health care and social assistance 39 11.6%
Accommodation and food services 33 9.8%
Other services (except public administration) 33 9.8%
Retail trade 27 8.0%
Construction 25 7.4%
Finance and insurance 20 6.0%
Real estate and rental and leasing 19 5.7%
Administrative and support and waste management and remediation services 19 5.7%
Educational services 16 4.8%
Information 11 3.3%
Arts, entertainment, and recreation 9 2.7%
Wholesale trade 6 1.8%
Transportation and warehousing 3 0.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 94556 vs 94575 →

ZIP 94556 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 94556 ranks #8 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 94556 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 94556 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
94575 Moraga, CA 974 0.3 mi
94516 Canyon, CA 211 2.8 mi
94549 Lafayette, CA 26,864 3.9 mi
94595 Walnut Creek, CA 16,425 3.3 mi
94619 Oakland, CA 23,299 4.5 mi
94611 Oakland, CA 36,565 4.8 mi
94507 Alamo, CA 14,889 5.2 mi
94563 Orinda, CA 17,672 4.7 mi
94605 Oakland, CA 39,016 5.8 mi
94597 Walnut Creek, CA 20,277 5.9 mi

More ZIP Codes in Contra Costa County

94565 standard
Pittsburg, CA
Pop: 84,641
94509 standard
Antioch, CA
Pop: 62,439
94806 standard
San Pablo, CA
Pop: 59,861
94513 standard
Brentwood, CA
Pop: 54,605
94553 standard
Martinez, CA
Pop: 47,065
94521 standard
Concord, CA
Pop: 41,249

Related Areas

Contra Costa County Moraga, CA California

Frequently Asked Questions

What county is ZIP code 94556 in? ▼
ZIP code 94556 (Moraga) is located in Contra Costa County, California. Contra Costa County contains multiple ZIP codes, see the full list at /counties/contra-costa-ca.
What is the population of ZIP code 94556? ▼
ZIP code 94556 in Moraga, CA has a population of 15,229 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 94556? ▼
The median household income in ZIP 94556 is $215,720, which is 183% above the national average of $76,288.
What is the average home value in ZIP 94556? ▼
The median home value in ZIP 94556 is $1,659,600, which is 497% above the national average of $278,155.
What is the demographic makeup of ZIP 94556? ▼
The largest racial group in ZIP 94556 is White at 61.5%. Hispanic or Latino residents make up 8.8% of the population.
How many businesses are in ZIP code 94556? ▼
ZIP code 94556 has 336 business establishments employing approximately 3,857 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 94556? ▼
The top industries by establishment count in ZIP 94556 are: Professional, scientific, and technical services (74), Health care and social assistance (39), Accommodation and food services (33). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 94556? ▼
According to the FHFA House Price Index, home values in ZIP 94556 increased by 10.3% in 2022. Since 2000, home values in this ZIP have appreciated by approximately 107%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 94556? ▼
In ZIP code 94556, 86.1% of residents aged 25+ have a high school diploma or higher, and 81.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 94556? ▼
The mean commute time for workers in ZIP code 94556 is 31.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 94556? ▼
In ZIP code 94556, approximately 82.9% of occupied housing units are owner-occupied and 17.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 94556? ▼
The poverty rate in ZIP code 94556 is 7.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.