HomeCaliforniaOrange CountyRancho Santa Margarita city
Rancho Santa Margarita city, California: commercial real estate data.
Rancho Santa Margarita city 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.
81 sourced place values · tier FULL · 9 sections · 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$1,545,000
- 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
A charge-off rate is not published here. only 8 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$705,000
- Largest approval$2,635,000
- Jobs supported361
- Loans with a final outcome16
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs9
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
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060769
- Currently effective map date12/03/09
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Orange County, not Rancho Santa Margarita
Orange County context, not Rancho Santa Margarita figures
These are Orange County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Rancho Santa Margarita measurements.
- Establishments in Orange County106,961
- Employment at those establishments, Orange County1,580,778
- Covered employment, Orange County1,661,276
- Average annual pay, Orange County$81,403
- Average weekly wage, Orange County$1,565
- Housing units permitted, Orange County6,972
- Of those, single family, Orange County2,671
- County product, 2024, Orange County$351,752,654,000
- County product change over the prior year, Orange County5.6 percent
- Average income of an arriving household, Orange County$114,759
Every figure in this section is published for Orange County as a whole and is not a measurement of Rancho Santa Margarita. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $35.2 m, across 32 lenders, median approval $250,000, plus 34 504 approvals worth $31.9 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.