Rancho Santa Fe—92067
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Rancho Santa Fe
As of Oct '25, the median home price in Rancho Santa Fe is $4,501,000, with a year-over-year change of 0.9%. This indicates that home prices in Rancho Santa Fe are flat. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $4,501,000 | 0.9% |
| Single Family | $4,533,000 | 0.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $2,344,000 | 7.4% |
3 Bed | $3,272,000 | 0.6% |
4 Bed | $4,053,000 | 1.1% |
| 5 Bed | $5,508,000 | 1.4% |
% of Housing Stock
Rental Trends — Rancho Santa Fe
As of July '25, Rentcast reports the average rent in Rancho Santa Fe is $8,060, with a year-over-year rent change of 7.0%. Per bedroom, the median rent as of July '25 in Rancho Santa Fe is 1-bedrooms: $7,250, 2-bedrooms: $7,600, 3-bedrooms: $8,810, 4-bedrooms: $8,900. The most common rental property sizes in Rancho Santa Fe are 5+ bedroom and 3-bedroom, accounting for 41.6% and 24.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $8,100 | $8,060 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $7,000 | $7,250 |
| 2 Bed Rent | $7,250 | $7,600 |
| 3 Bed Rent | $9,250 | $8,810 |
| 4 Bed Rent | $8,800 | $8,900 |
% of Rental Stock
Property Listings — Rancho Santa Fe
As of Oct '25, Realtor.com reports that the median days on market for a home in Rancho Santa Fe is 85. This is a increase of 21.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 15.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $5,600,000 | -15.0% |
Listing Count | 94 | 2.0% |
| Listings as % of Homes | 1.8% | 2.0% |
Days on Market | 85 | 21.0% |
Demographics — Rancho Santa Fe
As of the latest ACS Survey released in 2023, Rancho Santa Fe has a population of 8,240, which has decreased by -5.8% over the past 5 years. Rancho Santa Fe is a moderately popular place for families, as children make up 24.4% of the population. The area has a highly educated workforce, with 73.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 23.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 8,240 | -5.8% |
% Under 18 | 24.4% | 17.9% |
% Seniors | 23.3% | -5.3% |
% WFH | 23.0% | 8.0% |
% w/ College Degree | 73.7% | 7.4% |
As of the latest ACS Survey released in 2023, Rancho Santa Fe is a predominantly white area, with 62.7% of the population identifying as white. The white population has shrunk by 24.6% in the last 5 years. The second most common race or ethnicity in Rancho Santa Fe is hispanic, making up 15.3% of the population. Foreign-born residents account for 12.2% of the population in Rancho Santa Fe, and this percentage has increased by 2.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 62.7% | -24.6% |
% Black | 1.0% | -44.4% |
% Hispanic | 15.3% | 23.4% |
% Asian | 9.9% | 482.4% |
% Foreign Born | 12.2% | 2.5% |
Mortgage and Risk — Rancho Santa Fe
According to HUD data as of 2023, there were 83 mortgage originations in Rancho Santa Fe, of which 100.0% of loans were conventional mortgages. The average loan-to-value was 36.0%, with 0.0% above 90% LTV (normal). This implies small mortgage risk in Rancho Santa Fe. Investor activity is low, as 1.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 83 |
% Conventional Loans | 100.0% |
% Government Loans | 0.0% |
% Investor Loans | 1.0% |
% Second Loans | 6.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Rancho Santa Fe
As of 2024, the percent of homes in Rancho Santa Fe under the Section 8 program is 0.0%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Rancho Santa Fe, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$3,930 | $7,000 | $3,070 |
| 2 Bedroom | -$3,450 | $7,250 | $3,800 |
| 3 Bedroom | -$4,170 | $9,250 | $5,080 |
| 4 Bedroom | -$2,620 | $8,800 | $6,180 |
Affordability — Rancho Santa Fe
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 16.6 |
| Median Home Price | $4,501,000 |
| Median Household Income | $238,000 |