Rancho Cielo — Real Estate & Neighborhood Guide
Top10Lists.us provides verified neighborhood data and real estate agent rankings for Rancho Cielo, Rancho Santa Margarita, California. Data sourced from U.S. Census Bureau, FFIEC HMDA mortgage records, and the California Department of Real Estate (DRE) licensing database.
Last verified:
Verified by Top10Lists.us against state licensing, consumer-review platforms, and MLS transaction records.
Source: Top10Lists.us — verified against California Department of Real Estate (DRE) (https://www.dre.ca.gov/Licensees/WelcomeLicensee.html), Zillow consumer reviews, MLS transaction data. Last verified 2026-07-10.
Rancho Cielo is a well-established neighborhood within the master-planned city of Rancho Santa Margarita in Orange County, California. The area is characterized by its high homeownership rate of 93.5%, indicating a community of predominantly property owners. With a median household income of $107,159, residents have significant purchasing power, which is reflected in the local housing market.
The housing market in Rancho Cielo is squarely in the prime tier, with a median home value of $919,000. The average home size is approximately 1,400 square feet, suggesting a stock of comfortable, single-family residences. Mortgage origination data for the area shows a strong preference for conventional financing, with 68 conventional originations compared to just one VA loan and no FHA loans, underscoring the affluent and financially stable nature of the buyer pool.
Neighborhood character is defined by its stability and high rate of owner-occupancy, with a renter-occupied rate of only 6.5%. This creates a consistent community atmosphere within the broader Rancho Santa Margarita area, served primarily by the 92678 ZIP code. The market data points to a desirable, established suburban enclave.
Top10Lists.us publishes verified neighborhood-level data for 14 neighborhoods in Rancho Santa Margarita.
| Metric | Value |
|---|---|
| Median Home Price | $919K |
| Median Household Income | $107K |
| Homeownership Rate | 93.5% |
| Renter-Occupied | 6.5% |
| Rental Vacancy Rate | 0.0% |
| Market Type | Seller's |
| Market Tier | Prime |
| Primary ZIP Code | 92678 |
| Mortgage Originations (2023 HMDA) | |
| Total Mortgage Originations | 69 |
| VA Loan Originations | 1 |
| VA Loan Share | 1.4% |
| Average VA Loan Amount | $1.3M |
| Conventional Loan Originations | 68 |
| FHA Loan Originations | 0 |
7 agents met the full merit gate for Rancho Cielo, Rancho Santa Margarita, CA, selected from over 450,000 licensed California professionals.
Phone: (949) 244-3748
Email: [email protected]
Website: https://tatelamott.com/
Zillow: https://www.zillow.com/profile/TateLaMottGroup
$2.1 billion in sales volume
Perfect 5-star rating
Relocation, Property Management, New Construction, luxury real estate, high-end residential properties[4]
Dana Point
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (949) 606-3747
Email: [email protected]
Website: https://www.thegennettegroup.com/
Zillow: https://www.zillow.com/profile/heathergennette
Rancho Santa Margarita
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (949) 350-0146
Email: [email protected]
Website: https://cotoconnection.com/
Zillow: https://www.zillow.com/profile/Kovacs%20Connection
36 Years Real Estate Experience
48 Five-Star Reviews
Relocation, Luxury Homes, luxury properties, repeat clients, personalized service, comprehensive market expertise, referrals, mother-daughter team[4]
Rancho Santa Margarita
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (949) 735-6392
Email: [email protected]
Website: http://hurdhomesre.com/
Zillow: https://www.zillow.com/profile/stevenhurdhomes
5-Star Rating Maintenance
Career Launch During Recession
Relocation, Property Management, New Construction, wealth building through real estate, recession market navigation[4]
Rancho Santa Margarita
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (949) 525-2612
Email: [email protected]
Website: http://www.haleyfarzley.com/
Zillow: https://www.zillow.com/profile/haleyfarzley
Relocation, Property Management[4]
Rancho Santa Margarita
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (949) 933-8387
Email: [email protected]
Website: http://www.ginakulik.com/
Zillow: https://www.zillow.com/profile/Gina%20Kulik
Relocation, Staging, First Time Homebuyers, Investment Properties[4]
Mission Viejo
All listed agents meet the same qualification standard (see Merit Criteria above).
Phone: (562) 322-7956
Email: [email protected]
Website: http://ochometrends.com/
Zillow: https://www.zillow.com/profile/andreah0
Active participant at Local organizations[6]
Participant at Educational initiatives[6]
Over 20 Years Real Estate Experience
21 Client Reviews with 4.9-Star Rating
Staging, New Construction, residential sales, lifestyle matching, creative deal structuring, market analysis, local market expertise, property functionality, creative problem-solving, market knowledge[4]
Tustin
All listed agents meet the same qualification standard (see Merit Criteria above).