94556 ZIP Code — Moraga, CA

Contra Costa County, California

ZIP code 94556 is located in Moraga, California, within Contra Costa County. It covers approximately 19.28 square miles and serves a population of 15,959 residents. This is a standard ZIP code in the Pacific (PT) timezone, served by area code 925.

About ZIP code 94556

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $1,475,900. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($193,750) and mean household income suggests income inequality — a small number of higher earners pull the average up. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 33 minutes is near the national average. Remote work is prevalent — 32% of workers work from home.

Educational attainment is high — 80% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 94556 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

15,959

population

19.28

sq mi land

Standard

ZIP type

Pacific (PT)

timezone

94556 ZIP code map

Cities in ZIP code 94556

Below are the cities the US Postal Service accepts for ZIP code 94556. Using any city not on this list may result in mail delivery delays.

City	Status
Moraga	Preferred

Nearby ZIP codes

94575 Moraga (1.4 mi) 94595 Walnut Creek (2.9 mi) 94595 Walnut Creek (2.9 mi) 94549 Lafayette (3.6 mi) 94619 Oakland (5 mi) 94563 Orinda (5.1 mi) 94596 Walnut Creek (5.2 mi) 94597 Walnut Creek (5.8 mi) 94597 Walnut Creek (5.8 mi) 94602 Oakland (6 mi) 94526 Danville (6 mi) 94546 Castro Valley (6.2 mi)

Demographics updated 06/2026

Population
Total population	15,959
Population density	828 / sq mi
State FIPS	06
County FIPS	013

Geography
Land area	19.28 sq mi
Water area	0.10 sq mi
Latitude	37.8382
Longitude	-122.1040
Timezone	Pacific (PT)
Area code	925

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.3%	23.2%	32.6%
$50k – $100k	19.5%	25.1%	27.7%
$100k – $200k	25.8%	31.3%	26.4%
Over $200k	38.4%	20.4%	13.3%

Demographics & statistics

15,959

Population

828

People per sq mi

43.5

Median age

$193,750

Median household income

$93,747

Per capita income

$1,475,900

Median home value

$2,741

Median monthly rent

84.1%

Home ownership

7.5%

Poverty rate

5.1%

Unemployment

4,884

Housing units

79.8%

Bachelor's or higher

Age distribution

Male Female

357

Under 5

380

428

5–9

455

611

10–14

649

602

15–19

640

617

20–24

656

415

25–34

441

957

35–44

1,017

1,013

45–54

1,076

568

55–59

603

451

60–64

479

906

65–74

963

582

75–84

618

230

85+

245

← Male

Female →

Age summary

Group	Count	%
Under 18	3,516	22.0%
18 and over	12,443	78.0%
65 and over	3,544	22.2%
Median age	43.5 years

Race & ethnicity

White 62.8%

Asian 21.2%

Two or more races 8.8%

Hispanic or Latino 4.2%

Other race 1.7%

Native Hawaiian / Pacific Islander 0.6%

Black or African American 0.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	10,467	62.8%
Asian	3,536	21.2%
Two or more races	1,464	8.8%
Hispanic or Latino	696	4.2%
Other race	284	1.7%
Native Hawaiian / Pacific Islander	97	0.6%
Black or African American	92	0.6%
American Indian / Alaska Native	19	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.3%	23.2%	32.6%
$50k – $100k	19.5%	25.1%	27.7%
$100k – $200k	25.8%	31.3%	26.4%
Over $200k	38.4%	20.4%	13.3%

Under $10k 2.6%

$10k–$15k 3.2%

$15k–$25k 2.9%

$25k–$35k 1.4%

$35k–$50k 3.1%

$50k–$75k 6.1%

$75k–$100k 6.6%

$100k–$150k 13.3%

$150k–$200k 11.5%

$200k+ 49.1%

Range	% of households
Under $10k	2.6%
$10k–$15k	3.2%
$15k–$25k	2.9%
$25k–$35k	1.4%
$35k–$50k	3.1%
$50k–$75k	6.1%
$75k–$100k	6.6%
$100k–$150k	13.3%
$150k–$200k	11.5%
$200k+	49.1%
Median income	$193,750

Housing

Home values

Under $50k 1.2%

$50k–$100k 0.3%

$100k–$150k 0.2%

$150k–$200k 0.7%

$200k–$300k 0.1%

$300k–$500k 2.6%

$500k–$1M 17.4%

$1M+ 77.4%

Housing overview

Metric	Value
Median home value	$1,475,900
Median rent / month	$2,741
Owner occupied	84.1%
Renter occupied	15.9%
Vacant	2.0%
Single-family detached	71.8%
Large apartment buildings	3.5%
Mobile homes	0.3%
Median rooms	7.1
Avg household size (owned)	2.66

Year built

Era	%
2020 or later	0.0%
2010–2019	2.1%
2000–2009	3.1%
1990–1999	4.7%
1980–1989	11.8%
1970–1979	34.7%
1960–1969	34.1%
1950–1959	8.1%
1940–1949	0.5%
1939 or earlier	0.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.8%
1 bedroom	3.1%
2 bedrooms	16.2%
3 bedrooms	26.6%
4 bedrooms	42.7%
5+ bedrooms	10.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.7%
1 vehicle	22.2%
2 vehicles	49.4%
3 or more	27.8%

Heating fuel

Fuel type	%
Utility gas	76.1%
Electricity	20.2%
Propane / LP gas	1.6%
Fuel oil	0.5%
Wood	0.2%
Solar	1.2%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	3,719	65.6%
Cohabiting couple	167	2.9%
Male householder, no spouse	495	8.7%
Female householder, no spouse	1,284	22.7%
Households with children under 18	1,988	35.1%
Households with seniors (65+)	2,297	40.5%
Average household size	2.70

Marital status

Status	Male	Female
Never married	28.8%	26.1%
Married	66.1%	55.9%
Separated	0.4%	0.3%
Widowed	2.0%	7.9%
Divorced	2.7%	9.7%

Education

Less than 9th grade 0.4%

Some HS, no diploma 0.7%

HS graduate 5.1%

Some college, no degree 7.9%

Associate's degree 6.0%

Bachelor's degree 41.9%

Graduate / professional 37.9%

Metric	%
HS diploma or higher	98.9%
Bachelor's or higher	79.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	255	5.0%
Kindergarten	178	3.5%
Elementary school	1,698	33.6%
High school	927	18.4%
College / grad school	1,993	39.5%

Employment

Industry of employment

Education & healthcare 25.5%

Professional & management 24.6%

Finance & real estate 13.4%

Retail trade 7.9%

Manufacturing 6.4%

Arts, food & hospitality 5.8%

Wholesale trade 4.5%

Transportation & utilities 2.6%

Construction 2.4%

Public administration 2.4%

Other services 2.3%

Information 2.0%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	71.8%
Service	8.2%
Sales & office	16.9%
Natural resources & construction	0.2%
Production & transportation	3.0%

Employment type

Type	%
Private sector	76.1%
Government	15.0%
Self-employed	8.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	47.6%
Carpool	6.4%
Public transit	8.7%
Walk	4.2%
Work from home	31.9%
Other means	1.2%
Avg commute (minutes)	32.6

Poverty

All people 7.5%

Under 18 years 4.1%

18 and over 8.6%

Married-couple families 2.3%

Female-led households 5.3%

Income support

Source	% of households
Social Security	34.3%
Retirement income	31.4%
Supplemental Security	2.6%
Cash public assistance	1.0%
Food stamps / SNAP	0.4%

Health indicators

Condition	%
Obesity	23.8%
High blood pressure	27.8%
High cholesterol	32.2%
Diabetes	8.5%
Heart disease	5.6%
Stroke	2.4%
Asthma	8.6%
Arthritis	23.7%
Kidney disease	2.6%
Pulmonary disease	4.6%
Cancer	8.1%

Behavior / access	%
Smoking	6.6%
Binge drinking	16.0%
No physical activity	13.9%
Less than 7 hrs sleep	26.4%
Depression	15.1%
Fair or poor health	9.0%
Poor mental health	10.8%
Poor physical health	7.5%
No health insurance	5.2%
Visited doctor (checkup)	69.5%
Visited dentist	78.8%
Cholesterol screening	94.6%
Teeth loss	5.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	572	4.6%

Disability	%
Any disability	7.5%
Under 18	2.0%
18–64 years	3.8%
65 and over	22.2%

Health insurance coverage

Type	%
Private insurance	92.5%
Public insurance	24.3%
No insurance	1.4%
Uninsured under 19	0.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	15,222	95.4%
Spanish	1,208	7.9%
Other Indo-European	19	0.1%
Asian & Pacific Islander	146	1.0%
Other languages	1,010	6.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,823	80.3%
Born in same state	12,585	78.9%
Born in different state	7,841	49.1%
Foreign born	238	1.5%
Naturalized citizen	3,136	19.7%
Not a US citizen	1,978	63.1%

Ancestry

Ancestry	Count	%
French	2,042	12.8%
Italian	1,891	11.8%
Arab	565	3.5%
Polish	200	1.3%
English	140	0.9%

Ancestry	Count	%
Dutch	125	0.8%
Irish	113	0.7%
Norwegian	89	0.6%
German	65	0.4%

Technology access

Metric	% of households
Computer access	35.5%
Internet access	98.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 94556

What city is ZIP code 94556 in?

ZIP code 94556 is primarily assigned to Moraga, California.

What county is ZIP code 94556 in?

ZIP code 94556 falls within Contra Costa County, California.

How educated is the population of ZIP code 94556?

80% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 94556 mostly owner-occupied?

84% of occupied units in ZIP code 94556 are owner-occupied, well above the national average.

What is the median household income in ZIP code 94556?

The median household income in ZIP code 94556 is $193,750, above the national median of ~$75,000.

What is the typical home value in ZIP code 94556?

The median home value in ZIP code 94556 is $1,475,900.

What timezone is ZIP code 94556 in?

ZIP code 94556 observes the PST timezone.