ZIP Code 92694 — Rancho Mission Viejo CDP, CA Demographics & Data

ZIP code 92694 covers Rancho Mission Viejo, CA in Orange County with a population of about 35,019.

At a glance, the area shows median age of 36.6 versus a U.S. median of about 38.9.

It sits in telephone area code 949; U.S. House district CA-49; the LOS ANGELES media market.

Rancho Mission Viejo, CA sits in a university / college context (near south orange county community college district (2.5 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 92694 is about $183,168 — about 144% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.6%; unemployment rate near 3.3%; 65.0% of adults with a bachelor’s degree or higher (about 31.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Manufacturing; about 27.6% of workers reporting work-from-home (about 12.4 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,042,600 — about 200% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,020 (about 160% above the U.S. median rent ($1,163)), and owner-occupancy near 74.4% (about 9.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 92694 in Rancho Mission Viejo, CA, a household would need roughly $287,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,697. That is about 57% above the local median household income ($183,168), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Rancho Mission Viejo CDP, CA as Very High (composite score 99.8), which is among the highest nationally. The strongest component scores on US5 are flood (99.8) and wildfire (99.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Rancho Mission Viejo CDP, CA show little to no average snow and around 12.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,723 for ZIP 92694 (Rancho Mission Viejo CDP, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.