What income do you need to buy a house in Rancho Santa Fe, CA?
It takes about $1,190,000/yr to afford the typical Rancho Santa Fe, CA home ($4.45M, +6.9% past year) at today's rates. Starter homes run around $2.83M. See if you can afford a house in Rancho Santa Fe (2026 data) — free, no signup.
Market snapshot (2026-09)
- Income needed to buy the typical home: about $1,190,000/yr (28% front-end ratio, 20% down, 7.24% 30-yr fixed, CA property tax and insurance)
- Typical home value: $4.45M (Zillow ZHVI, 2026-09)
- 1-year change: +6.9%
- Bottom 35% of homes: $2.83M
- Top 35% of homes start around: $6.84M
- Typical rent: $7,174/mo
- Median household income: $176K
- Price-to-income ratio: 25.3
- Estimated payment on the typical home: $24,245/mo principal & interest (20% down, 7.24% 30-yr fixed)
Nearby housing markets
The most affordable cities to buy a house in California
Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.
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