The median home in Rancho Santa Margarita, California is valued at $1,001,520, down 2.7% year over year. Typical monthly rent is $2,985, producing a price-to-rent ratio of 28x — well above the national average of 18x. Rancho Santa Margarita is part of the Los Angeles-Long Beach-Anaheim, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Los Angeles-Long Beach-Anaheim, CA stress score, crash risk, and 12-month forecast →

Home Value$1,001,520

-2.7%

Rent$2,985/mo

AFFORDABILITY

Enter your income for Rancho Santa Margarita.

Income (annual)

Down Payment

$200,304 on $1,001,520

Out of reach — 92.9% of income

Need $248,871/yr to afford.

PITI$5,807

P/I92.9%

Afford$302K

Gap-$700K

P&I $5,064Tax $593Ins $150

Renting $2,822/mo cheaper ($2,985 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in California

Compare Rancho Santa Margarita with other housing markets across California.

Atherton$7517K Los Altos Hills$5802K Montecito$5251K Hidden Hills$4992K Hillsborough$4946K Los Altos$4448K Belvedere$4421K Rancho Santa Fe$4186K

Full Los Angeles-Long Beach-Anaheim, CA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Los Angeles-Long Beach-Anaheim, CA metro.

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RANCHO SANTA MARGARITA, CA