Affordable Housing

The Town is in the process of undertaking a Comprehensive Advanced Planning Initiative, including a State-mandated update of the Moraga Housing Element, and related General Plan and zoning amendments. As part of the Housing Element, the Town is required to demonstrate to the State Department of Housing and Community Development (HCD) that it has the capacity to add at least 1,118 new housing units by 2031. Of the 1,118 units, 673 housing units are deemed to be affordable.  The income categories of the 673 Housing Units are:

Income Category
Number of Residential Units
Very Low Income (<50% of AMI*)
318 Units
Low Income (50% - 80% of AMI)
183 Units
Moderate Income (80% - 120% of AMI)
172 Units

 *Area Median Income (AMI) is the midpoint of a region's income distribution. For Contra Costa County in 2022, the AMI is $99,950 for an individual and $142,800 for a four-person household.  

On December 7, 2022, the Town Council approved an Affordable Housing Ordinance that requires 10% affordability as well as Policy Incentives for new residential developments. The ordinance is a commonly used tool to ensure that some of the units in new developments are affordable to seniors, students and the workforce. Inclusionary housing requires and incentivizes developers to provide residential units at a price that is considered affordable to low or moderate-income households. The Policy Incentives would provide additional density, reduced parking and an additional concession to make production of affordable housing more viable in the Town. The ordinance will require new developments with six or more units to provide 10% affordable units.

Resources for Developers

Affordable Housing Ordinance Combined Packet (PDF)

In-Lieu Fee Calculation Memo (PDF)

Housing Opportunity Site Inventory (PDF)

Policy Incentives (PDF)

Inclusionary Flyer (PDF)

Development Incentives Policy for Affordable Housing (PDF)

Development Incentives Policy for Affordable Housing Resolution (PDF)

Below, you will find the the Affordable Housing Public Meeting Video.   

December 7, 2022 Town Council Meeting