HomeCaliforniaOrange CountyRancho Santa Margarita
Rancho Santa Margarita, California: commercial real estate data.
Rancho Santa Margarita is a Census city of 46,990 people across 12.93 square miles of land, in Orange County. Median household income is $152,560, 72.5 percent of occupied homes are owned, and the SBA record carries 64 7(a) approvals to borrowers here worth $35.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Rancho Santa Margarita
What Rancho Santa Margarita is
- Census place typecity
- Land area12.93 sq mi
- Water area0.05 sq mi
- Population per square mile of land3,635
- County holding the largest share of its areaOrange County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rancho Santa Margarita
How many people live in Rancho Santa Margarita
- Population46,990
- Median age40.9
- Population under 1810,378
- Share under 1822.1 percent
- Population 65 and over5,652
- Share 65 and over12.0 percent
- Households17,123
- Family households13,141
- Share of households that are families76.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rancho Santa Margarita
Income and work in Rancho Santa Margarita
- Median household income$152,560
- Per capita income$65,824
- Civilian labor force27,353
- Employed26,244
- Unemployed1,109 plus or minus 241
- Unemployment rate4.1 percent plus or minus 0.9
- Adults 25 and over33,474
- Adults 25 and over with a high school diploma or higher94.6 percent
- Adults 25 and over with a bachelor degree or higher49.7 percent
- Adults 25 and over with a graduate degree17.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rancho Santa Margarita
Housing in Rancho Santa Margarita
- Housing units17,498
- Occupied units17,123
- Vacant units375 plus or minus 188
- Vacancy rate2.1 percent plus or minus 1.1
- Owner occupied12,414
- Renter occupied4,709
- Ownership rate72.5 percent
- Median owner-occupied home value$971,200
- Median gross rent, monthly$2,625
- Annual rent as a share of median income20.6 percent
- Single family units12,897
- Share single family73.7 percent
- Units in buildings of two or more4,558
- Share in buildings of two or more26.0 percent
- Mobile homes26 plus or minus 28
- Median year structure built1992
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rancho Santa Margarita
How Rancho Santa Margarita gets to work
- Workers 16 and over who commute19,269
- Commuting under 15 minutes4,060
- Share commuting under 15 minutes21.1 percent
- Commuting 30 minutes or more8,080
- Share commuting 30 minutes or more41.9 percent
- Drove alone64.7 percent
- Carpooled7.5 percent plus or minus 1.8
- Public transport0.1 percent plus or minus 0.1
- Walked1.2 percent plus or minus 0.7
- Worked from home25.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Rancho Santa Margarita
SBA loans in Rancho Santa Margarita (7(a))
- Approvals64
- Gross approval$35,161,000
- Average approval$549,391
- Median approval$250,000
- Ninetieth percentile approval$1,470,900
- Largest approval$3,500,000
- Jobs supported877
- Jobs per approval13.7
- Loans with a final outcome8
- Paid in full7
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more7.8 percent
- Share to franchises12.5 percent
- Distinct lenders32
- Distinct industries by NAICS42
Counted by borrower city: approvals to borrowers whose address is in Rancho Santa Margarita, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Rancho Santa Margarita
SBA loans in Rancho Santa Margarita (504)
- Approvals34
- Gross approval$31,880,000
- Average approval$937,647
- Median approval$692,500
- Largest approval$2,635,000
- Jobs supported361
- Loans with a final outcome16
- Charged off0
- Median term240 months
- Distinct CDCs9
Counted by borrower city: approvals to borrowers whose address is in Rancho Santa Margarita, in any county, FY2010 to FY2026. Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Rancho Santa Margarita
Flood risk in Rancho Santa Margarita
- NFIP communityCity of Rancho Santa Margarita
- NFIP community number060769
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/03/09
The City of Rancho Santa Margarita participates in the National Flood Insurance Program as community 060769 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Orange County, not Rancho Santa Margarita
Orange County context, not Rancho Santa Margarita figures
- Establishments in Orange County106,961
- Covered employment, Orange County1,661,276
- Average annual pay, Orange County$81,403
- Housing units permitted, Orange County6,972
Every figure in this section is published for Orange County as a whole and is not a measurement of Rancho Santa Margarita.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Rancho Santa Margarita questions, answered from the record.
How many people live in Rancho Santa Margarita, California?
46,990, in 17,123 households. Rancho Santa Margarita city covers 12.93 square miles of land, which is 3,635 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Rancho Santa Margarita in?
Orange County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Rancho Santa Margarita?
$152,560. The median owner-occupied home is valued at $971,200. Median gross rent is $2,625 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Rancho Santa Margarita businesses?
64 7(a) approvals totaling $35.2 m since FY2020, across 32 lenders, median approval $250,000, plus 34 504 approvals worth $31.9 m since FY2010. These count approvals to borrowers whose address is in Rancho Santa Margarita, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Rancho Santa Margarita borrowers get paid back?
No rate is published for Rancho Santa Margarita. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Rancho Santa Margarita in the National Flood Insurance Program?
Yes. Rancho Santa Margarita appears in the FEMA Community Status Book as Rancho Santa Margarita, city of, community 060769, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Rancho Santa Margarita figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Orange County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Rancho Santa Margarita.
Is zoning published for Rancho Santa Margarita?
No. Nothing on this page presents parcel level zoning.