How much do homeowners pay a month in Rancho Santa Fe, CA?

Name: Homeowner costs in Rancho Santa Fe, CA, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Rancho Santa Fe, CA pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

58.9% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,500 or more
Owned with a mortgage: 58.9%

Monthly owner costs in Rancho Santa Fe

Median selected monthly owner costs, estimate (90% margin of error)
	Rancho Santa Fe	San Diego County	California	United States
With a mortgage	$4,000 or more	$3,184 (±$17)	$2,946 (±$5)	$1,963
Without a mortgage	$1,500 or more	$871 (±$10)	$829 (±$3)	$638
Owned homes with a mortgage	58.9% (±16.5 points)	69.6% (±0.4 points)	67.4% (±0.1 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$5,774 (±$47)	$5,124 (±$17)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

Median monthly cost with a mortgage in places near Rancho Santa Fe

Nearest places with a published estimate, compared with Rancho Santa Fe
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Rancho Santa Fe	—	$4,000 or more	—
Fairbanks Ranch	2.5 mi	$4,000 or more	—
Encinitas	4.2 mi	$4,000 or more	—
Solana Beach	4.2 mi	$4,000 or more	—
Del Mar	5.6 mi	$4,000 or more	—
Harmony Grove	6.2 mi	$4,000 or more	—
Lake San Marcos	6.7 mi	$2,701 (±$190)	—
San Marcos	7.6 mi	$3,357 (±$126)	—
Carlsbad	8.7 mi	$3,741 (±$129)	—

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across San Diego County, place by place

Rank	Place	Median monthly cost with a mortgage
1 (tie)	Coronado	$4,000 or more
1 (tie)	Del Mar	$4,000 or more
1 (tie)	Encinitas	$4,000 or more
1 (tie)	Solana Beach	$4,000 or more
1 (tie)	Fairbanks Ranch	$4,000 or more
1 (tie)	Harmony Grove	$4,000 or more
1 (tie)	Rancho Santa Fe	$4,000 or more
8	Granite Hills	$3,847 (±$350)
9	Valley Center	$3,812 (±$433)
10	Carlsbad	$3,741 (±$129)
11	Rainbow	$3,685 (±$765)
12	Eucalyptus Hills	$3,571 (±$734)
13	Bonsall	$3,500 (±$467)

Showing 13 of 48 places in San Diego County, ranked from highest to lowest.

Rancho Santa Fe is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Rancho Santa Fe

What is the average mortgage payment in Rancho Santa Fe?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Rancho Santa Fe, CA is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Rancho Santa Fe?

Owners without a mortgage in Rancho Santa Fe pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Rancho Santa Fe CDP, California (place:59584, in state:06).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.