92688 ZIP Code — Rancho Santa Margarita, CA
Orange County, California
ZIP code 92688 is located in Rancho Santa Margarita, California, within Orange County. It covers approximately 13.22 square miles and serves a population of 44,444 residents. This is a po box ZIP code in the Pacific (PT) timezone, served by area code 949.
About ZIP code 92688
The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $819,000. Owner-occupancy sits near the national average at 70%.
Median household income is $141,089. The poverty rate of 5% is below the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.
Educational attainment is high — 49% of residents hold a bachelor's degree or higher, well above the national average of 33%.
44,444
population
13.22
sq mi land
PO Box
ZIP type
Pacific (PT)
timezone
92688 ZIP code map
Cities in ZIP code 92688
Below are the cities the US Postal Service accepts for ZIP code 92688. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Rancho Santa Margarita | Acceptable |
| Rancho Santa Margarita | Acceptable |
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 44,444 |
| Population density | 3,362 / sq mi |
| State FIPS | 06 |
| County FIPS | 059 |
| Geography | |
|---|---|
| Land area | 13.22 sq mi |
| Water area | 0.02 sq mi |
| Latitude | 33.6229 |
| Longitude | -117.6083 |
| Timezone | Pacific (PT) |
| Area code | 949 |
Total population by age
Gender
Race & ethnicity
Economics
updated 06/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 16.5% | 25.9% | 32.6% |
| $50k – $100k | 24.9% | 26.6% | 27.7% |
| $100k – $200k | 36.3% | 30.7% | 26.4% |
| Over $200k | 22.4% | 16.7% | 13.3% |
Demographics & statistics
44,444
Population
3,362
People per sq mi
38.5
Median age
$141,089
Median household income
$58,140
Per capita income
$819,000
Median home value
$2,446
Median monthly rent
69.7%
Home ownership
4.9%
Poverty rate
3.4%
Unemployment
11,266
Housing units
49.3%
Bachelor's or higher
Age distribution
Male
Female
1,368
Under 5
1,378
1,410
5–9
1,419
1,506
10–14
1,516
1,734
15–19
1,746
1,110
20–24
1,118
2,686
25–34
2,704
3,525
35–44
3,550
3,840
45–54
3,867
1,620
55–59
1,631
1,273
60–64
1,281
1,256
65–74
1,265
510
75–84
514
307
85+
310
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 10,750 | 24.2% |
| 18 and over | 33,694 | 75.8% |
| 65 and over | 4,162 | 9.4% |
| Median age | 38.5 years | |
Race & ethnicity
White
60.2%
Asian
11.7%
Two or more races
11%
Hispanic or Latino
10.5%
Other race
4.8%
Black or African American
1.3%
American Indian / Alaska Native
0.3%
Native Hawaiian / Pacific Islander
0.1%
| Group | Count | % |
|---|---|---|
| White | 29,913 | 60.2% |
| Asian | 5,818 | 11.7% |
| Two or more races | 5,464 | 11% |
| Hispanic or Latino | 5,209 | 10.5% |
| Other race | 2,396 | 4.8% |
| Black or African American | 661 | 1.3% |
| American Indian / Alaska Native | 156 | 0.3% |
| Native Hawaiian / Pacific Islander | 36 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 16.5% | 25.9% | 32.6% |
| $50k – $100k | 24.9% | 26.6% | 27.7% |
| $100k – $200k | 36.3% | 30.7% | 26.4% |
| Over $200k | 22.4% | 16.7% | 13.3% |
Under $10k
2.0%
$10k–$15k
1.2%
$15k–$25k
3.0%
$25k–$35k
3.7%
$35k–$50k
3.2%
$50k–$75k
10.8%
$75k–$100k
10.0%
$100k–$150k
19.0%
$150k–$200k
14.3%
$200k+
32.8%
| Range | % of households |
|---|---|
| Under $10k | 2.0% |
| $10k–$15k | 1.2% |
| $15k–$25k | 3.0% |
| $25k–$35k | 3.7% |
| $35k–$50k | 3.2% |
| $50k–$75k | 10.8% |
| $75k–$100k | 10.0% |
| $100k–$150k | 19.0% |
| $150k–$200k | 14.3% |
| $200k+ | 32.8% |
| Median income | $141,089 |
Housing
Home values
Under $50k
0.7%
$50k–$100k
0.1%
$100k–$150k
0.4%
$200k–$300k
1.2%
$300k–$500k
12.0%
$500k–$1M
62.2%
$1M+
23.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $819,000 |
| Median rent / month | $2,446 |
| Owner occupied | 69.7% |
| Renter occupied | 30.3% |
| Vacant | 2.3% |
| Single-family detached | 48.6% |
| Large apartment buildings | 11.1% |
| Mobile homes | 0.0% |
| Median rooms | 5.3 |
| Avg household size (owned) | 2.92 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 0.7% |
| 2000–2009 | 7.0% |
| 1990–1999 | 57.3% |
| 1980–1989 | 31.0% |
| 1970–1979 | 1.7% |
| 1960–1969 | 1.2% |
| 1950–1959 | 0.3% |
| 1940–1949 | 0.1% |
| 1939 or earlier | 0.6% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 3.7% |
| 1 bedroom | 12.0% |
| 2 bedrooms | 27.7% |
| 3 bedrooms | 29.8% |
| 4 bedrooms | 21.6% |
| 5+ bedrooms | 5.2% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.2% |
| 1 vehicle | 24.7% |
| 2 vehicles | 42.9% |
| 3 or more | 28.2% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 74.2% |
| Electricity | 22.6% |
| Propane / LP gas | 1.1% |
| Solar | 0.4% |
| No fuel used | 1.5% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 9,617 | 61.5% |
| Cohabiting couple | 767 | 4.9% |
| Male householder, no spouse | 1,899 | 12.1% |
| Female householder, no spouse | 3,354 | 21.4% |
| Households with children under 18 | 6,108 | 39.1% |
| Households with seniors (65+) | 3,242 | 20.7% |
| Average household size | 2.84 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 31.0% | 28.2% |
| Married | 60.1% | 55.6% |
| Separated | 0.8% | 1.1% |
| Widowed | 1.4% | 4.4% |
| Divorced | 6.8% | 10.6% |
Education
Less than 9th grade
2.9%
Some HS, no diploma
2.6%
HS graduate
14.2%
Some college, no degree
22.3%
Associate's degree
8.7%
Bachelor's degree
33.5%
Graduate / professional
15.8%
| Metric | % |
|---|---|
| HS diploma or higher | 94.5% |
| Bachelor's or higher | 49.3% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 1,194 | 9.7% |
| Kindergarten | 501 | 4.1% |
| Elementary school | 4,614 | 37.6% |
| High school | 2,848 | 23.2% |
| College / grad school | 3,114 | 25.4% |
Employment
Industry of employment
Education & healthcare
20.1%
Professional & management
15.4%
Retail trade
11.1%
Manufacturing
10.3%
Finance & real estate
10.1%
Arts, food & hospitality
7.9%
Construction
5.6%
Other services
5.2%
Wholesale trade
4.2%
Transportation & utilities
3.6%
Public administration
3.3%
Information
2.8%
Agriculture & mining
0.4%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 53.8% |
| Service | 12.2% |
| Sales & office | 22.2% |
| Natural resources & construction | 3.9% |
| Production & transportation | 7.8% |
Employment type
| Type | % |
|---|---|
| Private sector | 83.4% |
| Government | 10.3% |
| Self-employed | 6.1% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 71.8% |
| Carpool | 9.6% |
| Public transit | 0.1% |
| Walk | 1.5% |
| Work from home | 15.7% |
| Other means | 1.2% |
| Avg commute (minutes) | 26.2 |
Poverty
All people
4.9%
Under 18 years
6.3%
18 and over
4.5%
Married-couple families
2.3%
Female-led households
14.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 18.0% |
| Retirement income | 17.2% |
| Supplemental Security | 3.1% |
| Cash public assistance | 1.8% |
| Food stamps / SNAP | 2.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 23.2% |
| High blood pressure | 21.3% |
| High cholesterol | 28.3% |
| Diabetes | 6.3% |
| Heart disease | 3.3% |
| Stroke | 1.6% |
| Asthma | 9.2% |
| Arthritis | 16.0% |
| Kidney disease | 1.8% |
| Pulmonary disease | 3.8% |
| Cancer | 4.6% |
| Behavior / access | % |
|---|---|
| Smoking | 9.8% |
| Binge drinking | 19.4% |
| No physical activity | 14.8% |
| Less than 7 hrs sleep | 30.4% |
| Depression | 16.9% |
| Fair or poor health | 9.1% |
| Poor mental health | 13.2% |
| Poor physical health | 7.4% |
| No health insurance | 8.4% |
| Visited doctor (checkup) | 62.9% |
| Visited dentist | 73.7% |
| Cholesterol screening | 92.1% |
| Teeth loss | 6.8% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,379 | 4.1% |
| Disability | % |
|---|---|
| Any disability | 8.6% |
| Under 18 | 5.7% |
| 18–64 years | 5.6% |
| 65 and over | 37.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 84.7% |
| Public insurance | 17.6% |
| No insurance | 4.3% |
| Uninsured under 19 | 1.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 41,698 | 93.8% |
| Spanish | 3,390 | 8.1% |
| Other Indo-European | 1,607 | 3.9% |
| Asian & Pacific Islander | 745 | 1.8% |
| Other languages | 938 | 2.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 34,766 | 78.2% |
| Born in same state | 33,954 | 76.4% |
| Born in different state | 26,499 | 59.6% |
| Foreign born | 812 | 1.8% |
| Naturalized citizen | 9,678 | 21.8% |
| Not a US citizen | 5,822 | 60.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 4,717 | 10.6% |
| Italian | 4,309 | 9.7% |
| Arab | 1,721 | 3.9% |
| English | 645 | 1.5% |
| Polish | 456 | 1% |
| Ancestry | Count | % |
|---|---|---|
| Irish | 327 | 0.7% |
| Dutch | 230 | 0.5% |
| German | 121 | 0.3% |
| Norwegian | 16 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 35.2% |
| Internet access | 97.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 92688
What city is ZIP code 92688 in?
ZIP code 92688 is primarily assigned to Rancho Santa Margarita, California.
What county is ZIP code 92688 in?
ZIP code 92688 falls within Orange County, California.
How educated is the population of ZIP code 92688?
49% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the median household income in ZIP code 92688?
The median household income in ZIP code 92688 is $141,089, above the national median of ~$75,000.
What is the typical home value in ZIP code 92688?
The median home value in ZIP code 92688 is $819,000.
What is the population of ZIP code 92688?
ZIP code 92688 has an estimated population of 44,444 residents, with a density of 3,362 people per square mile.
What timezone is ZIP code 92688 in?
ZIP code 92688 observes the PST timezone.