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Rancho Mission Viejo CDP, CA

ZIP 92694 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 92694

Median Home Value
$1,042,600
Median Rent
$3,020
Affordability Snapshot
$287,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,697/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 92694 in Rancho Mission Viejo CDP, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
74.4%+14% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
8.5%-43% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
34.3%-31% vs US avg
x
Mortgage-Free
14.6%-62% vs US avg
x
$1,042,600
Home Value
$3,020
Rent
2008
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached57.3%
  • 1-unit attached23.1%
  • 2-9 units7.5%
  • 10+ units12.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,042,600
Median rent$3,020
Owner-occupied74.4%
Vacant5.0%
Price-to-income5.7x
Est. income to buy$287,000