Local
Learn about the people, housing, costs and businesses in Rancho Santa Fe, California
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Rancho Santa Fe.
True all-in cost — P&I, taxes, insurance & utilities for homes in Rancho Santa Fe.
Find and compare lenders active near Rancho Santa Fe.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Rancho Santa Fe.
Seismic risk and earthquake insurance estimates for Rancho Santa Fe.
Wildfire exposure and insurance estimates for Rancho Santa Fe.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Rancho Santa Fe is approximately 6.998% (7.030% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Rancho Santa FeThe median home value in Rancho Santa Fe is $2.0M. The median monthly rent is $3,501. Annual property taxes average $10k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Rancho Santa Fe have increased 14.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $4,001/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $171k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Rancho Santa Fe is $214k/year.
Calculate your buying powerThe largest employment sectors in Rancho Santa Fe are healthcare (28%) and arts, food, and hospitality (27%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.