Cost of Living in Rancho Santa Margarita, CA
Population: 47,257 • 2026 Data
$146,827
Median Household Income
+90% vs national
$2,481
Median Monthly Rent
+84% vs national
$907,900
Median Home Value
+168% vs national
4.0%
Unemployment Rate
Housing in Rancho Santa Margarita
The median home value in Rancho Santa Margarita, CA is $907,900. Monthly rent for a typical unit averages $2,481, while total monthly housing costs (including utilities and insurance) average $2,866.
Rent-to-income ratio: 20.3%. This is within the recommended 30% threshold, suggesting housing is relatively affordable for median-income earners.
Income and Employment
The median household income in Rancho Santa Margarita, CA is $146,827. The unemployment rate stands at 4.0%, with a labor force of 27,644 people.
Data Sources
All data from the US Census Bureau American Community Survey 5-Year Estimates. National median figures used for comparison context.