City · 11,971 residents · Orange County, California
Rancho Mission Viejo, California
In Rancho Mission Viejo, a typical home is worth $1,110,100 and typical rent is $3,501 a month. Compared with all of Orange County, typical household income is 66% higher, typical rent is 44% higher, and the share of households that own their home is 20 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $906,106 to $1,194,986.
Typical rent
$3,821a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $3,358 to $3,821.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rancho Mission Viejo is in Orange County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
Rancho Mission Viejo has the highest typical rent of the 648 cities in California with more than 5,000 people: $3,501.
2
The typical household income in Rancho Mission Viejo is $192,813,66% more than in Orange County as a whole ($116,289).
3
76% of households in Rancho Mission Viejo own their home, against 56% in Orange County.
4
Nearby, in San Juan Capistrano, the typical rent is $2,438: 30% less than in Rancho Mission Viejo ($3,501).
5
The typical home in Rancho Mission Viejo is worth $1,110,100,15% more than in Orange County as a whole ($962,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rancho Mission Viejo
What homes there are in Rancho Mission Viejo, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Rancho Mission Viejo
Orange County
California
United States
Kind of home: Rancho Mission Viejo and its comparisons
Measure
Rancho Mission Viejo
Orange County
California
United States
Detached house
54%
49%
57%
61%
Attached house
23%
13%
7%
6%
Building of 2 to 4
Unreliable estimate
9%
8%
8%
Apartments (5 or more)
22%
26%
24%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Rancho Mission Viejo, 5 in 10 homes are single-family detached houses; in Orange County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rancho Mission Viejo
Orange County
California
United States
Year built: Rancho Mission Viejo and its comparisons
Measure
Rancho Mission Viejo
Orange County
California
United States
Before 1960
Unreliable estimate
17%
27%
26%
1960–1979
Unreliable estimate
40%
29%
24%
1980–1999
Unreliable estimate
26%
25%
25%
2000–2009
Unreliable estimate
8%
11%
14%
2010 or later
95%
9%
8%
11%
Here half of the homes date from 2015 or later; in Orange County, from 1977 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K11%
$750K–$1M26%
$1M or more62%
Value of owner-occupied homes: Rancho Mission Viejo and its comparisons
Measure
Rancho Mission Viejo
Under $100K
Unreliable estimate
$100K–$200K
Unreliable
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
11%
$750K–$1M
26%
$1M or more
62%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,99920%
$3,000 or more62%
Monthly rent with utilities: Rancho Mission Viejo and its comparisons
Measure
Rancho Mission Viejo
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
20%
$3,000 or more
62%
Owners with a mortgage
75%
Orange County: 67%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rancho Mission ViejoBoundaries changed
Orange County+42%
California+46%
United States+53%
Typical rent
Rancho Mission ViejoBoundaries changed
Orange County+31%
California+36%
United States+33%
Typical household income
Rancho Mission ViejoBoundaries changed
Orange County+29%
California+32%
United States+29%
Change since 2015–2019: Rancho Mission Viejo and its comparisons
Measure
Rancho Mission Viejo
Orange County
California
United States
Typical home value
Boundaries changed
+42%
+46%
+53%
Typical rent
Boundaries changed
+31%
+36%
+33%
Typical household income
Boundaries changed
+29%
+32%
+29%
Rancho Mission Viejo does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Orange County the typical home value rose 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rancho Mission Viejo and its comparisons
Measure
Rancho Mission Viejo
Orange County
California
United States
Rental vacancy
Unreliable estimate
4.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
8.9%
8.2%
3.4%
People per household
2.62
2.87
2.84
2.53
Drive alone
55%
68%
66%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
36%
19%
17%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Rancho Mission Viejo are smaller: 2.62 people on average; in Orange County, 2.87.
In Rancho Mission Viejo, 36% of workers work from home, more than in Orange County (19%).
Do the math
What would you pay each month for a home in Rancho Mission Viejo?
A typical home costs more than the typical income allows
We start with a typical home in Rancho Mission Viejo, worth $1,110,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 58% of the typical household income in Rancho Mission Viejo, which is $192,813 a year. For that payment to be 28% of income, a household would need to earn about $400,656 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Rancho Mission Viejo. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $38,854 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$9,349
at 7.18% · 30 years
Loan amount
$1,089,993
Total interest
$1,568,244
Paid off in
November 2056
Includes $18,747 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,499 a month
Tight
$4,499 to $5,784 a month
Hard
more than $5,784 a month
Your payment · 58%
Compared with the typical household income in Rancho Mission Viejo ($192,813 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$7,384
Property tax
$833
Home insurance
$463
FHA mortgage insurance (MIP)
$670
You need at least $38,854 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $9,349; principal and interest $7,384.
The city and its county
Rancho Mission Viejo and Orange County
Rancho Mission Viejo is in Orange County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Rancho Mission Viejo
Map of Orange County, California, with Rancho Mission Viejo marked. Around it, the neighboring counties.
Rancho Mission Viejo
Orange County
Other cities with a page
Rancho Mission Viejo's own numbers
Typical home value
$1,110,100
Typical monthly rent
$3,501
Typical yearly household income
$192,813
Households that own their home
76%
Effective property tax rate
0.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange County
FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$3,057
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orange County.
A typical home in Rancho Mission Viejo is worth $1,110,100: 15% above the county and 51% above California. With the typical household income in Rancho Mission Viejo ($192,813 a year), a typical home costs 5.8 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Rancho Mission Viejo5.8 years
Orange8.3 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 89% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +6.5% +6.5% 2016
2017: +5.2% +5.2% 2017
2018: +5.2% +5.2% 2018
2019: +2.3% +2.3% 2019
2020: +2.2% +2.2% 2020
2021: +9.9% +9.9% 2021
2022: +16.4% +16.4% 2022
2023: +7.3% +7.3% 2023
2024: +8.3% +8.3% 2024
2025: +3.3% +3.3% 2025
Change in FHFA’s price index in Orange County, California and the United States
Period
County
California
U.S.
Last year (2025)
+3.3%
+0.8%
+2.9%
5 years (2020–2025)
+54%
+40%
+47%
10 years (2015–2025)
+89%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Rancho Mission Viejo next to Orange County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Rancho Mission Viejo$1,110,100
Orange$962,600
California$734,700
United States$332,700
Typical monthly rent
Rancho Mission Viejo$3,501
Orange$2,434
California$2,036
United States$1,413
Typical yearly household income
Rancho Mission Viejo$192,813
Orange$116,289
California$99,122
United States$80,734
See the full table
Rancho Mission Viejo next to Orange County and California
Measure
Rancho Mission Viejo
Orange County
California
U.S.
Typical home value
$1,110,100 ▲15% above the county
$962,600
$734,700
$332,700
Typical monthly rent
$3,501 ▲44% above the county
$2,434
$2,036
$1,413
Typical yearly household income
$192,813 ▲66% above the county
$116,289
$99,122
$80,734
Households that own their home
76% ▲20 points above the county
56%
56%
65%
Typical yearly property tax
$10,001 ▲58% above the county
$6,330
$5,124
$3,119
Effective property tax rate
0.9% ▲0.24 points above the county
0.66%
0.7%
0.94%
Renters with high rent for their income
64% ▲8 points above the county
57%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Rancho Mission Viejo
For a typical $1,110,100 home in Rancho Mission Viejo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rancho Mission Viejo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$9,349a month
Least cash to close
Down payment
$38,854
Cash to close
$72,157
Rate
7.18%
Mortgage insurance
FHA MIP · $670
Conventional, 5% down$8,967a month
Down payment
$55,505
Cash to close
$88,808
Rate
7.18%
Mortgage insurance
PMI · $527
Conventional, 20% down, no PMI$7,311a month
Down payment
$222,020
Cash to close
$255,323
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$8,338a month
Down payment
$166,515
Cash to close
$199,818
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rancho Mission Viejo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$9,349
$38,854
$1,089,993
7.18%
FHA MIP · $670
$72,157
580
Conventional, 5% down
$8,967
$55,505
$1,054,595
7.18%
PMI · $527
$88,808
620*
Conventional, 20% down, no PMI
$7,311
$222,020
$888,080
7.18%
None
$255,323
620*
ITIN, 15% down (example)
$8,338
$166,515
$943,585
8.18%
None
$199,818
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Rancho Mission Viejo is $3,501 a month: 44% above the county. In Rancho Mission Viejo, 64% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($3,057 a month) without spending more than 30% of your income, you would need to earn $58.79 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$2,580
$49.62
$103,200
1 bedroom
$2,610
$50.19
$104,400
2 bedrooms
$3,057
$58.79
$122,280
3 bedrooms
$4,153
$79.87
$166,120
4 bedrooms
$4,964
$95.46
$198,560
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Rancho Mission Viejo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rancho Mission Viejo is in ZIP code 92694.
For 2 bedrooms it is $4,060: $1,003 more than the fair market rent for Orange County ($3,057).
Fair market rent by ZIP code and size in Rancho Mission Viejo, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
92694
$3,430
$3,470
$4,060
$5,520
$6,590
ZIP code2 bd3 bd
92694 $4,060$5,520
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rancho Mission Viejo when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 10 HUD-approved agencies with an office in Orange County; 6 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Rancho Mission Viejo or Orange County. The ones below are statewide in California: they work in Rancho Mission Viejo the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
The HUD-approved agencies closest to the center of Rancho Mission Viejo, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
AH
Affordable Housing Clearinghouse
23201 Lake Center Dr Ste 203, Lake Forest · 12 miles away · Spanish
3 of the 3 agencies on this list say they serve in Spanish.
Ask for service in Spanish
When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.
Housing authorities of Rancho Mission Viejo
HUD’s record names them for Rancho Mission Viejo or Orange County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.
Orange County Housing AuthoritySection 8 vouchers(714) 480-2700
No legal help resource on our list is for Rancho Mission Viejo or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Rancho Mission Viejo and all of Orange County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Rancho Mission Viejo?
The typical home value in Rancho Mission Viejo is $1,110,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $962,600.
How much does it cost to rent in Rancho Mission Viejo?
Typical rent in Rancho Mission Viejo is $3,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $3,057.
What is the FHA loan limit in Rancho Mission Viejo?
Rancho Mission Viejo uses the FHA limit for all of Orange County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.
How much property tax do owners pay in Rancho Mission Viejo?
The typical homeowner in Rancho Mission Viejo pays $10,001 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Orange County, the rate is 0.66%.
Where can I find free help to buy or rent in Rancho Mission Viejo?
There are 10 HUD-approved counseling agencies with an office in Orange County. 6 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
