Rancho Santa Margarita ZIP Codes — Orange County, CA

There is one unique ZIP code in Rancho Santa Margarita, California and it is 92688. Area code: 949.

ZIP codes

13.22

sq mi land

0.02

sq mi water

949

area code

Rancho Santa Margarita, CA ZIP code map

About Rancho Santa Margarita, CA

Rancho Santa Margarita, CA is a vibrant city located in southern Orange County, California. Known for its beautiful landscapes and family-friendly atmosphere, this city offers a unique blend of suburban charm and outdoor recreational opportunities. With plenty of parks, shopping centers, and community events, Rancho Santa Margarita fosters a welcoming environment for residents and visitors alike.

Location & geography

Rancho Santa Margarita spans a total area of 13.22 square miles, with a minimal water area of 0.02 square miles. The city is conveniently located near several cities, including Mission Viejo, which is approximately 5 miles to the northwest, Lake Forest about 6 miles to the northeast, and San Juan Capistrano roughly 8 miles to the south. The terrain is primarily hilly and residential, providing stunning views of the surrounding landscape.

Community & economy

The character of Rancho Santa Margarita is marked by its community-oriented spirit and recreational amenities. Industries in the area primarily focus on retail, technology, and professional services, which contribute to the local economy and job market. Daily life in Rancho Santa Margarita often involves engaging in outdoor activities, attending local events, and enjoying its numerous parks and facilities.

Transportation

Rancho Santa Margarita is well-connected through major highways, including the I-5 freeway, which runs just east of the city. The nearest named airport is John Wayne Airport, located about 18 miles to the northwest, offering flights to various domestic and international destinations. Public transit options are available, providing residents with convenient access to surrounding areas.

History

Rancho Santa Margarita was founded in 1999, becoming the latest city in Orange County to incorporate. Historically, the area was part of a large ranch called Rancho Santa Margarita y Las Flores and has roots in agriculture and ranching. Since its founding, the city has developed rapidly, focusing on community development and quality of life.

Did you know?

A surprising fact about Rancho Santa Margarita is that it is considered one of the last planned communities in Orange County, designed with an emphasis on providing a high quality of life. The city is also home to the beautiful Rancho Santa Margarita Lake, a popular spot for recreational activities and family outings.

ZIP codes for Rancho Santa Margarita, CA (1)

ZIP code	City	County	Map
92688	Rancho Santa Margarita	Orange	View map

Demographics & statistics

44,444

Population

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

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%
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	%
High blood pressure	21.3%
High cholesterol	28.3%
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	%
Binge drinking	19.4%
No physical activity	14.8%
Less than 7 hrs sleep	30.4%
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%
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

What ZIP codes does Rancho Santa Margarita, CA have?

Rancho Santa Margarita, CA has one ZIP code: 92688. Each ZIP code serves a distinct delivery area within the city and surrounding region.