Moraga, CA · Updated Oct 2026

What a Moraga house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Moraga house

$22,094a year · $1,841 a month

Starts at $1,191,912 of value before exemptions. Typical use.

Property tax$13,190
1.113% of $1,191,912, less $7,000 homeowners' exemption
Flat charges on the tax bill$2,138
Sewer $784 · Moraga School District parcel tax (Measure K) $325 · Moraga School District parcel tax (Measure I) $295 · Moraga School District parcel tax (Measure M) $222 · Acalanes high school parcel tax (Measures G & A) $301 · Fire services district charge (MORAGAFIRESVCDIST) $86 · County stormwater charge (FED STORMWATER A-9) $35 · Moraga street light assessment (MORAGA ST LT) $58 · SF Bay Restoration Authority parcel tax (Measure AA) $12 · East Bay regional trails assessment $5 · Mosquito & vector control $5 · Emergency medical services charge (EMERGENCY MED B) $10
Electricity and gas$3,705
500 kWh a month $2,726 · 31.72 therms $979
Water$927
5 units (CCF) a month on East Bay Municipal Utility District (EBMUD): water $77 a month
Trash$642
32-gal landfill, $53 a month
Home insurance$1,492
Typical premium $1,492

A typical Moraga house pays about $22,100 a year: $15,330 property tax and charges, $930 water, $640 trash, $3,710 electricity and gas, $1,490 home insurance. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

One change saves this house about $295 a year:

Seniors 65+: Moraga School District Measure I exemption
$295 a year
Moraga School District's Measure I parcel tax ($295) provides an optional exemption for homeowners age 65 and over. Once approved, you receive it for as long as you occupy the property.
How: Use the district's 2026-27 Measure I Senior Exemption Form from the parcel tax page; you must be 65 or older as of July 1, 2026.

Worth checking

Switch to the 20-gal landfill cartUp to $86 a year
Your cart costs $53 a month; the smallest costs $46. Worth it if you rarely fill it.
How: Republic Services handles all service requests (925-685-4711). If you do not regularly fill your landfill cart you can downsize, for example from the standard 32-gallon cart to a 20-gallon cart.
Low-income seniors: Moraga School District Measures K and M exemptionExempts the K and M parcel taxes
Moraga School District Measures K and M provide exemptions for low-income seniors, age 65 or older as of July 1, 2026.
How: Apply on the district's Measure K and M senior exemption form; the 2026-27 deadline was May 31, 2026.
Low-income households: EBMUD Customer Assistance Program50% off water service charge
Eligible single-family customers can get 50% off the standard bimonthly water service charge and 50% off home water use (up to 1,050 gallons per person a month). A household of 1-2 qualifies with income of $67,900 or less. Enrollment lasts up to two years.
How: Apply online through EBMUD's CAP application.
Income-qualified households: PG&E CARE or FERA30–35% off electricity
CARE takes 30–35% off electricity and drops the base services charge to $6 a month; FERA takes 18% off for incomes slightly above the CARE limit.
How: Apply with PG&E; application forms are also available through community agencies.
EBMUD lawn conversion rebateUp to $2.00 per sq. ft.
EBMUD pays up to $2.00 per square foot to convert a lawn to a water-wise garden; landscape rebates for a home are capped at $2,000 in any 24-month period.
How: Apply through EBMUD's rebates page.
Free extra pickups and Reuse & Clean-up Days5 on-call pickups + 2 clean-up days a year
The residential rate includes 4 on-call collections of yard trimmings and/or recyclables and 1 on-call landfill collection per rate year at no additional cost, plus two pre-scheduled Reuse and Clean-up Days a year.
How: For questions about your recycling, organics, and landfill services, contact Republic Services at (925) 685-4711.
Seniors, blind or disabled: postpone property taxesDefer this year's taxes
The State Controller's Property Tax Postponement program lets eligible homeowners postpone payment of current-year property taxes on their primary residence.
How: Go to www.ptp.sco.ca.gov, call (800) 952-5661 or email postponement@sco.ca.gov.

Adjust to match your bills

What you knowTrash cartThe price is set by the size of your landfill (garbage) cart; weekly recycling and organics collection are included. 32 gallons is the standard cart.

Value before exemptionsEnter the assessed (net) value from your tax bill: under Prop 13 it is often well below what the house would sell for. The fire services district line (MORAGAFIRESVCDIST) varies by home, from $79.52 to $91.74 on the five bills we sampled. A home with an accessory dwelling unit (ADU) may pay Central San's ADU charge on top of the $784.00 single-family sewer charge. Some Moraga parcels are in other tax rate areas (such as 15003, 15006 or 77xxx) and can carry other charges.

I live here and have the Homeowners' exemptionSomeone on the title is 65 or older

Home insurance, a yearFrom your policy. We start at $1,492, California statewide average, NAIC data for 2022 as published by the Insurance Information Institute (California figures from the California Department of Insurance).

Earthquake insurance, a yearSeparate from home insurance. Most owners don't have it.

Your use

Water, units a month

On your water bill. 1 unit (CCF) is 748 gallons. A typical Moraga house uses about 5.

Electricity, kWh a month

On your PG&E delivery with MCE Light Green generation bill. An electric car adds about 300 kWh.

Gas, therms a month (yearly average)

Money dates

Nov 1in 9 daysFirst property tax installment due; pay by Dec 10, 2026 to avoid a 10% late-payment penalty.
Nov 30, 2026in 38 daysLast day of Contra Costa County's 2026 assessment appeal filing period (opened July 2).
Feb 1in 101 daysSecond-installment coupon date (Feb 1, 2027); after April 12, 2027 a 10% late-payment penalty and a $20 cost are added.
Feb 15in 115 daysLast day for a first-time homeowners' exemption claim to get the full exemption for that year.

Who serves this house

Water: East Bay Municipal Utility District (EBMUD); EBMUD rates effective July 1, 2026: a $28.60 monthly service charge for a 5/8 or 3/4 inch meter ($57.20 on a bimonthly bill) plus $8.40 per unit (CCF) for the first 7 units a month, $9.74 from 7 to 16 units and $11.49 above 16 units. Bills for services in Elevation Band 2 add an elevation surcharge of $1.33 per unit, and Elevation Band 3 adds $2.84; the surcharge pays for pumping water to locations 200 or more feet above sea level
Property tax: 1.11% of value; 2026-27 tax year, Contra Costa County (Moraga tax rate area 15002)
Garbage: Republic Services (RecycleSmart); Republic Services provides Moraga's recycling, organics and landfill service under an exclusive franchise with RecycleSmart, and Moraga residents are billed quarterly (March, June, September and December).
Sewer: Central San; Central San's sewer service charge is billed on the Contra Costa County property tax bill as CCCSD SEWER CHG.
Electricity: MCE generation, PG&E delivery; Moraga is an MCE member community (since 2018): MCE is the default electricity generation provider, and PG&E delivers the power and sends the bill.
Gas: PG&E; Moraga is in PG&E's gas service territory.
Schools: Moraga School District, Acalanes Union High School District; Moraga School District Measures K, M and I and the Acalanes Measure G & A parcel taxes are on the bill.

Pay or manage your bills

Your water

Source: EBMUD's main supply is snow and rain in the Mokelumne River watershed in the Sierra Nevada, carried 90 miles by aqueduct to East Bay treatment plants and reservoirs.
Lead: EBMUD says its treatment plants supply no lead; in its tap sampling, 0 of 53 sites were above the lead action level.
PFAS: EBMUD has finished its initial PFAS monitoring under the new rules, and all results so far have met the standards.

Other CA cities

How these numbers are made

Garbage: RecycleSmart's Moraga single-family rates effective March 1, 2026 (rate year 12), per month: $46.29 for a 20-gallon landfill cart, $53.46 for the standard 32-gallon cart, $106.91 for 64 gallons and $160.33 for 96 gallons, each including weekly recycling and organics collection. Republic Services bills them quarterly. Hard-to-serve rates are higher and not shown.
Water: EBMUD Schedule A from July 1, 2026, monthly-billing column: $28.60 service charge for a 5/8 or 3/4 inch meter and $8.40, $9.74 and $11.49 per unit (to 7, to 16 and above 16 units a month), plus the $1.33 Elevation Band 2 surcharge on every unit ($9.73, $11.07, $12.82). EBMUD sets the band by pressure zone; we assume Band 2 because the surcharge covers pumping to places 200 feet or more above sea level, which includes much of Moraga; hillside homes in Band 3 pay $1.51 more per unit than shown. The page starts at 5 units a month, EBMUD's median single-family use. EPA's water-system boundary map puts Moraga in EBMUD's system (CA0110005).
Sewer: Central San's $784.00 single-family charge (Ordinance 339, from July 1, 2026), on the tax bill as CCCSD SEWER CHG and counted with the tax bill's flat charges. It was on all five Moraga single-family bills we sampled. There is no sewer charge on the EBMUD bill.
Property tax: Contra Costa County 2026-27 rates for tax rate area 15002, one of the two largest Moraga areas (15002 holds 1,895 and 15004 holds 1,830 of Moraga's 4,001 single-family parcels, use codes 11 and 19). All five bills we sampled in 15002 had the same 1.1132% rate: 1% countywide tax, 0.0044% BART, 0.0119% BART 2016 bond, 0.0018% East Bay Regional Park District, 0.0273% Acalanes bond, 0.0239% and 0.0287% Moraga elementary bonds and 0.0006%, 0.0072% and 0.0074% community college bonds, less the $7,000 homeowners' exemption. Flat charges on the sampled bills ($2,138.22 to $2,168.42 a year with sewer): Central San sewer $784.00, Moraga School District parcel taxes of $325, $295 and $222, Acalanes Measure G & A $301, fire services district $86.04 (the median of $79.52 to $91.74 on five bills), county stormwater $35, street light $58, Measure AA $12, regional trails $5.44, mosquito and vector control $4.74 and emergency medical services $10. Seniors can be exempt from some of the school parcel taxes (see tips).
The starting value is the median 2026 assessed value of single-family parcels with a Moraga address in tax rate areas 15xxx, $1,191,912; under Prop 13 recent buyers have higher assessed values. Parcels in other tax rate areas (about 270 of the 4,001, such as 15003, 15006 and 77xxx) may have other rates and charges and are not modelled.
Electricity: PG&E schedule E-1 for a non-CARE (Income Tier 3) home with MCE Light Green generation, the default for Moraga (an MCE member since 2018). Delivery is PG&E's E-1 total bundled rate ($0.32561 Tier 1, $0.40702 Tier 2) minus its $0.12855 generation charge and its ($0.01011) Bundled PCIA; to that we add MCE's April 1, 2026 Light Green E1 generation ($0.12855) and the $0.03720 PCIA and franchise fee from the March 1, 2026 PG&E-MCE comparison: $0.37292 per kWh up to the baseline and $0.45433 above. PG&E's $0.79343 a day base services charge is $24.13 a month. Baseline: territory X (Contra Costa County outside the S and T portions), 9.8 kWh a day for 4 summer months and 9.7 for 8 winter months, about 296 kWh a month. Gas: PG&E G-1 (Oct. 1, 2026) $2.42480 and $2.92792 per therm plus the $0.12103 public purpose surcharge, territory X baseline weighted 7 summer, 3 off-peak and 2 on-peak months (about 30.1 therms a month). We found no town tax on Moraga electricity or gas bills, so none is added. Typical use is PG&E's 2024 residential average (EIA, about 500 kWh a month) and California's 2024 residential gas average (EIA, about 32 therms a month). Insurance is the 2022 California average homeowners premium (NAIC via the Insurance Information Institute) until you enter your own.
Nothing here is legal, tax or insurance advice.

Sources

How Moraga compares

A typical Moraga house against the 110 California cities we cover, using the same default numbers as the total above.

Per year	Moraga	Median	Where it falls
Property tax rate	1.11%	1.13%	lower than 68 of the other 109 California cities we cover
Water	$927	$955	lower than 62 of the other 109 California cities we cover
Trash	$642	$438	higher than 88 of the other 101 California cities we cover
Electricity and gas	$3,705	$3,556	higher than 77 of the other 109 California cities we cover
Home insurance	$1,492	$1,492	in the middle of 108 other California cities we cover
Total	$22,094	$15,240	higher than 96 of the other 109 California cities we cover

Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.

Questions to ask your candidates

Each one starts from a number above. Any candidate can answer them.

1. Trash

The fact: Trash pickup here costs about $642 a year for the standard cart, higher than 88 of the other 101 California cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.

Ask: "Trash pickup here costs about $642 a year for the standard cart, higher than 88 of the other 101 California cities we cover. What drives that cost, and would you change anything about the service or the price?"

See who is running in your city →

Common questions about Moraga house costs

What is the property tax rate in Moraga?

About 1.11% of the value before exemptions a year (2026-27 tax year, Contra Costa County (Moraga tax rate area 15002)), plus flat charges on the same bill (Sewer $784, Moraga School District parcel tax (Measure K) $325, Moraga School District parcel tax (Measure I) $295, Moraga School District parcel tax (Measure M) $222).

How much is property tax on a $500,000 house in Moraga?

About $7,626 a year on $500,000 of the value before exemptions with the homeowners' exemption, including $2,138 of flat charges.

How much is the water bill in Moraga?

About $77 a month for water at typical use (5 units, or 3,740 gallons a month) on East Bay Municipal Utility District (EBMUD).

How much does trash pickup cost in Moraga?

$46 to $160 a month, depending on the trash cart size (20-gal landfill, 32-gal landfill, 64-gal landfill, 96-gal landfill).

When is property tax due in Moraga?

Nov 1: First property tax installment due; pay by Dec 10, 2026 to avoid a 10% late-payment penalty. Feb 1: Second-installment coupon date (Feb 1, 2027); after April 12, 2027 a 10% late-payment penalty and a $20 cost are added.

Can seniors lower their property tax or bills in Moraga?

Yes. Seniors 65+: Moraga School District Measure I exemption ($295 a year): Moraga School District's Measure I parcel tax ($295) provides an optional exemption for homeowners age 65 and over. Once approved, you receive it for as long as you occupy the property.

Where can I get help paying utility bills in Moraga?

Low-income seniors: Moraga School District Measures K and M exemption: Moraga School District Measures K and M provide exemptions for low-income seniors, age 65 or older as of July 1, 2026. Apply on the district's Measure K and M senior exemption form; the 2026-27 deadline was May 31, 2026.

How much does a house in Moraga cost to run each year?

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