5 Reasons Rancho Santa Fe San Diego is a Great Place to Live in 2022 | 2023

5 Reasons Rancho Santa Fe is a Great Place to Live

San Diego County has many types of residential areas. Some are designated as towns, and others are cities. There are even communities that are officially Census – Designated Places (CDPs). These are population concentrations defined by the United States Census Bureau, and they are only used for statistical purposes. These are not self-governing places at all. However, a few of them are established neighborhoods that can be exclusive. For example, Rancho Santa Fe is a CDP located within San Diego.

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The CDP designation has existed since 1980. The history of Rancho Santa Fe goes back quite a way. The land was once part of a Mexican land grant and was later used as a tree plantation. So, there is a lot of history to this community, and it also is one of the best places for a person to live in Southern California. We welcome this chance to tell you the reasons why this is one of the best places in San Diego County to put-down roots, raise a family, and advance your career to another level.

Here's a quick rundown of our list:

Reason 1 - The Respect of the Residents for the Community

5 Reasons Rancho Santa Fe is a Great Place to Live - The Respect of the Residents for the Community

Rancho Santa Fe is held in high regard by those who live there. The community gets high ratings from those who live there, and their comments indicate overall satisfaction.

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“Rancho Santa Fe is absolutely beautiful. The people are warm and friendly, and there is a great sense of community in the Covenant (the historic part of RSF) with many activities and traditions that bring everyone together. Residents have great appreciation for RSF’s special history and support the outstanding R. Roger Rowe School (elementary and middle)…”

“Quiet, removed and sunny. This community is east of the 5 freeway yet is accessible enough for most commuters has everything you want in a neighborhood/suburb…”

“Rancho Santa Fe is a beautiful tight knit and historical town. Close to the beach and the racetrack, Rancho Santa Fe nightlife is very entertaining.”

This is an upscale residential area, make no mistake about that. However, we think the folks here are laid back and very welcoming. You can think of Rancho Santa Fe as a place with lots of snob appeal without the snobs. 

Reason 2 - Education is the King of Rancho Santa Fe

5 Reasons Rancho Santa Fe is a Great Place to Live - Education is the King of Rancho Santa Fe

You will get the total value for your tax dollars in public education. According to Niche.com, the public schools in Rancho Santa Fe are rated #6 in Places with the Best Public Schools in America. There are no better public schools in California, San Diego, San Diego County, or the San Diego Area. This small community offers the best public-school education.

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Niche.com hands out grades for the best-performing schools. Canyon Crest Academy, Torrey Pines High School, San Dieguito High Academy, R. Roger Rowe Middle School, and R. Roger Rowe Elementary School serve the Rancho Santa Fe community. Each one has a grade of “A+.” The best teachers are at R. Roger Rowe Middle School and R. Roger Rowe Elementary School.

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It is not surprising that Rancho Santa Fe emphasizes education. Approximately 82% of the adult population has at least some college, and over 34% hold baccalaureate degrees. The high levels of education are a reason why many white-collar professionals live in Rancho Santa Fe. 

See the latest Rancho Santa Fe active, pending, and sold homes for sale like a Pro – without the expensive license… See Now ›

Reason 3 - Great Restaurants for You to Enjoy

5 Reasons Rancho Santa Fe is a Great Place to Live - Great Restaurants for You to Enjoy

Okay, this is primarily a residential area, and you might think that all you can do is eat and sleep here. Well, you can tell the food is fantastic by the restaurants you will find.

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Mille Fleurs has a flair for all things French and has been noted as “Best French” and “Best of the Best” in San Diego Magazine. It was also praised by Food & Wine Magazine for being the “Top 25 in America.” Something less formal but just as palate-pleasing is Thyme in the Ranch and the fresh ingredients it uses to make the entrees. The Pony Room serves up great-tasting lobster nachos and Mahdi tacos. 

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Reason 4 - Fun Places Close By

5 Reasons Rancho Santa Fe is a Great Place to Live - Fun Places Close By

Rancho Santa Fe is primarily a residential community, and there is not a lot of entertainment in town. However, there are venues in town and close by that provide fun and entertainment. You do not have to go very far at all.

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  • The San Diego Botanic Garden It is 37 acres of trails going through some fantastic flowers and fauna. You will discover the largest children’s garden on the West Coast here.

  • Annie’s Canyon Trail. A 2.2-mile loop trail near Solana Beach, Annie’s Canyon Trail is a hiker’s dream come true.

  • Rancho Santa Fe Art Gallery. While it is not the San Diego Art Museum or the Guggenheim, the Art Gallery is a local artists’ showcase. You can find a work of art that is well within your price range.

  • LEGOLAND. The theme park is in nearby Carlsbad, and it is a fun place to take the children and those adults who are big kids inside.

  • Rancho Santa Farmers Market This is a real treasure. You expect to find fresh produce brought in by the local farmers. You might not anticipate the performances of local artists and the Market Kids & Crafts Booth for your children, and the Longevity Programs that are unique features throughout the year.

  • The Spa at the Inn. Life can be a bit hectic in southern California, and you can use a little chilling-out time. The Spa at the Inn is a remarkable getaway place that allows you to relax with a massage, yoga, chakra cleansing, and other holistic healings for your worried mind.

  • Skin in the Ranch. We hate to admit it, but sometimes the California sun can damage our skin. The experience enjoyed at this local business is a refreshed skin and a face that beams with skin renewal.

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Other places such as Balboa Park are not far away, and any resident of Rancho Santa Fe can enjoy them as well. There might not be any world-class beaches at Rancho Santa Fe, but some of the best are just down the road. 

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Reason 5 - Career Possibilities

5 Reasons Rancho Santa Fe is a Great Place to Live - Career Possibilities

Rancho Santa Fe employers are typical of an intelligence-based job scene. The modern economy is well represented in the places where the residents work. These are not companies from the days when manufacturing was king.

Other major employers in the Rancho Santa Fe area emphasize brain over brawn in work assignments. As a result, there are favorable chances for career advancement.

  • Sotheby’s - Retail

  • Wells Fargo - Banking/Mortgage & Accounting/Finance

  • American Indemnity - Insurance

  • Morgan Stanley - Investment Banking & Securities Brokerage

You will be rubbing shoulders with some remarkably successful people in Rancho Santa Fe. Management is the most common job group in this community. The top employment sector is Professional Scientific & Technical Services, and the highest paid jobs are Business & Financial Operations Occupations. Therefore, it is not surprising that the Average Household Income in Rancho Santa Fe is $235,644.

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Approximately 90% of those employed are in white-collar positions. Interestingly, 35% of those employed are self-employed. In addition, 58% work for private companies. Only about 7% are government employees or work for not-for-profit companies.

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You have an opportunity in Rancho Santa Fe to establish a strong network of contacts to help you move your career forward. Of course, there is no guarantee of career advancement, but having daily contact with those who can help makes Rancho Santa Fe even more attractive.

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The Housing Situation

Around 20% of the Rancho Santa Fe residents rent where they live. The Median Rent is $3,025 per month. The occupants own approximately 80% of the homes in Rancho Santa Fe. The Median Sale Price of a house in this community is $3,669,000. The Median Days on the Market of a property is 48 days. Redfin.com rates the Rancho Santa Fe housing market as Not Very Competitive. Why is that?

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The price of the property is so prohibitive that very few people can afford to buy it. Only 19 houses have been sold in 2021 as of this writing. It is a great community with excellent neighborhoods, but the expense can make anyone think twice. Financing this type of upscale property is not for the faint-hearted.

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Rancho Santa Fe is an exclusive community where the housing is expensive. Therefore, anyone who is thinking of living there must be prepared. Buyers must understand the financing of the property and know what kind of mortgage loan is best suited to their budgets. That is in addition to the usual and customary house hunting.

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You must always be careful when looking for a house, which is especially true in this little community. Of course, a seller will concentrate on curb appeal, making the place look great, but you still must have a buyer beware attitude.

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It is more than cracks in the walls hidden by pictures. For example, there may be a utility budget that must be paid in full on a change of ownership. A title search may uncover some problems, and the roof may need repair. An FHA inspection discovers these matters, but a buyer may forget to schedule a home inspection for a conventional mortgage loan.

Own a home in Rancho Santa Fe and you want to get a personalized home valuation for it to see how much you can walk away in profit in this exciting market? See Now ›

We cannot stress enough that you are doing more than buying a home. A house in Rancho Santa Fe is a solid financial investment that permits you to have contact with many successful people. You should not rush into a purchase. There are many mortgage loan products from which to choose, and you do not have to only look at a traditional FHA mortgage or a conventional loan. However, you might be overlooking better financing products because you are not aware of them. Seeking help buying property in Rancho Santa Fe is not a sign of weakness. Indeed, a prudent buyer should be looking for the best advice possible.

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A person needs a real estate agent who is knowledgeable about luxury housing. That property expert must advise the buyer on the location and what is required to successfully finance a home that costs several million dollars. The interest rates on a mortgage loan are a critical part of the process. San Diego still has low rates, but these can change at any time. A real estate agent who knows the best property is someone who can save a buyer hundreds of thousands of dollars over the life of the mortgage.

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If you are looking for that kind of a real estate agent, we can fill your needs.

We do not get nervous about the idea of helping in the purchase of a luxury home. We have bought and sold that kind of property in the past. A buyer needs to know about the costs; these are items we share immediately with all our clients. We can go a step further than most real estate agents are able.

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We are not just a licensed real estate agency. We also are licensed mortgage loan originators. We keep a close watch on interest rates in San Diego County. We know the best lending institutions and have collaborated with them over the years. They know us, and that is especially important. Our relationships with lenders help us expedite the process.

Find out what the latest and greatest Rancho Santa Fe home loans are right now. Detailed video and post reveals all. See it Now ›

You can expect us to be firm and fair when it comes to negotiating the final sales price. We make sure that the buyer does not shoulder unnecessary costs. We manage all the paperwork necessary for a smooth closing. You can expect to walk into that meeting only having to sign the papers. Everything is in order.

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Rancho Santa Fe might not be out of the question as a hometown. We can discuss that with you and go over all the assorted options. There are several services that we provide for a client that other agents do not always offer. The only way you are going to know more about this is to talk with us directly. We would welcome that opportunity to chat with you.

Do you own a home in Rancho Santa Fe and want a fast, free, and automated home valuation in 30 seconds or less? Get One Now ›

Please feel free to contact us at your convenience. We will answer all your questions and give you our expert opinion on the Rancho Santa Fe properties currently on the market. Buying a home there is a big decision, and you need the best guidance. We will help you make the right choice and the wisest investment.

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? I would love to help assist you with your home purchase, home sale, or home loan - please feel free to give me a call, text, or use the form below. 

Your RSF Insider, 

Scott

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See Rancho Santa Fe's Newest Listings Below...

79 Properties
Page 1 of 3
5
Beds
3
Baths
4,000
Sq.Ft.
1981
Year Built
2
Days on Site
305717206
MLS
English Country Cottage meets Rancho Santa Fe Lux! Tucked behind the gated community of Rancho Santa Fe Meadows, prepare to be amazed by nearly 3 flat acres of grass and three individual structures...
Open 8/14
6117 La Flecha Rancho Santa Fe, CA 92067
$2,645,000
Neighborhood: Covenant
3
Beds
3F11/2
Baths
3,062
Sq.Ft.
1975
Year Built
2
Days on Site
220020570
MLS
Welcome to Rancho Santa Fe's hidden gem. An english-like cottage garden, rustic bougainvillea and Spanish tile greet you at the entrance of this charming home. Just steps from Rancho Santa Fe's...
$3,600,000
Neighborhood: The Bridges
4
Beds
4F11/2
Baths
3,332
Sq.Ft.
2003
Year Built
2
Days on Site
305717547
MLS
Surround yourself in a world of beauty and refinement at this impeccably appointed villa at Rancho Santa Fes premier guard-gated enclave of The Bridges. Lush and colorful landscaping enhances...
$16,900,000
Neighborhood: Covenant
6
Beds
6F11/2
Baths
8,538
Sq.Ft.
2011
Year Built
4
Days on Site
220007448
MLS
This seamlessly laid out 5 ½ acre equestrian compound checks all the boxes. A grand 5 bedroom 5 ½ bath single level home with 4 car garage, World Class 5 stall barn, detached 4 car collector garage,...
$19,950,000
Neighborhood: Covenant
8
Beds
10F21/2
Baths
18,039
Sq.Ft.
2020
Year Built
5
Days on Site
220020417
MLS
This private estate has it all !! Situated on 4.45 Acres in beautiful Rancho Santa Fe, is a newly constructed custom home completed in 2020. With over 22,500 Square feet of indoor and outdoor covered...
Contingent
16837 El Zorro Vista Rancho Santa Fe, CA 92067
$4,950,000
Neighborhood: Covenant
5
Beds
4
Baths
4,100
Sq.Ft.
2008
Year Built
7
Days on Site
305714070
MLS
Coming In Hot, this Chic all one-level home on two incredibly well-utilized Covenant acres, including a VINEYARD, temperature controlled tasting room, private soccer field, Tennis Court with...
$5,295,000
Neighborhood: Del Mar Country Club
6
Beds
4F11/2
Baths
6,250
Sq.Ft.
1997
Year Built
9
Days on Site
220019900
MLS
Discover your new lifestyle in Del Mar Country Club at this hilltop cul-de-sac location with unforgettable golf course & ocean views. This custom French Country Estate with exquisite European...
$13,995,000
Neighborhood: Covenant
5
Beds
8F11/2
Baths
8,375
Sq.Ft.
2022
Year Built
12
Days on Site
305710377
MLS
The Ultimate Brand-NEW CONSTRUCTION 2022! ~ Organic Modern Custom build by Master Builder Greg Agee ~ Seize the opportunity! No expense was spared in this all One-Level 5+ bedroom, modern...
$5,895,000
Neighborhood: The Bridges
4
Beds
4F21/2
Baths
5,805
Sq.Ft.
2004
Year Built
12
Days on Site
220019736
MLS
Escape to this one story masterpiece in the exclusive gated community of The Bridges. Newly remodeled and situated on a large elevated lot with stunning canyon views. Delight in the exquisite details...
4
Beds
4F11/2
Baths
3,930
Sq.Ft.
2018
Year Built
14
Days on Site
305709221
MLS
Looking for a great home in the Cielo community? This is it! Easy care landscape, enjoy the panoramic views of mountains, city lights, and incredible sunrises! Great floorplan with the convenience of...
4
Beds
4F21/2
Baths
6,244
Sq.Ft.
2018
Year Built
15
Days on Site
305707906
MLS
Welcome to this spectacular, gorgeous, architectural single level house set in beautiful 24 hr gated community Cielo of Rancho Santa Fe. This 6244 SF custom house features 4 bedrooms and a spaces...
$6,495,000
Neighborhood: Covenant
5
Beds
7F11/2
Baths
9,297
Sq.Ft.
1994
Year Built
16
Days on Site
305707554
MLS
West side Covenant Compound on 4 usable acres with complete privacy, this 9,200+ square foot mostly single level estate boasts a thoughtful floorplan that enjoys incredible sunlight and grand scale....
$2,500,000
Neighborhood: Hacienda Santa Fe
4
Beds
3
Baths
3,024
Sq.Ft.
1978
Year Built
17
Days on Site
220019245
MLS
Welcome home to this Rancho Santa Fe classic! Located at the end of a cul-de-sac, this lovely ranch style single level home features an open floor-plan with spacious rooms, updated bathrooms, freshly...
6
Beds
6F31/2
Baths
9,052
Sq.Ft.
1997
Year Built
17
Days on Site
220019249
MLS
Unparalleled living experience awaits you in this Mediterranean estate sweeping across Rancho Santa Fe s West side. 9052 feet in the main house and 983 in the detached guest house , plus a fully...
5
Beds
6
Baths
6,134
Sq.Ft.
2016
Year Built
19
Days on Site
305705775
MLS
Modern design seamlessly blends with the surrounding environment to create the all ONE-LEVEL ULTIMATE Southern California escape. The 5+ BR home combines angles and light to enhance the propertys...
$1,875,000
Neighborhood: Whispering Palms
4
Beds
2F11/2
Baths
2,371
Sq.Ft.
1971
Year Built
20
Days on Site
305702324
MLS
Welcome to this lovely New Listing in Whispering Palms! Original owners "handpicked" this special property from the Developer of the Community! Home is situated on one of the largest lots and...
$6,800,000
Neighborhood: Farms
6
Beds
7F21/2
Baths
8,812
Sq.Ft.
1998
Year Built
21
Days on Site
220018832
MLS
This home will take your breath away. Approaching the home thru your own private gate a stone bridge crosses over meandering stream that leads to a Koi pond. Stunning rotunda entry, extraordinary...
$5,995,000
Neighborhood: Rancho Santa Fe Farms
5
Beds
5F11/2
Baths
5,763
Sq.Ft.
2000
Year Built
22
Days on Site
305702605
MLS
Located in one of Rancho Santa Fes most coveted communities, The Farms. This one-of-a-kind modern European estate, perched with a view overlooking the community and golf course, presents a lavish and...
$7,699,000
Neighborhood: Rancho Del Lago
6
Beds
6F21/2
Baths
9,550
Sq.Ft.
1993
Year Built
25
Days on Site
220018435
MLS
Nestled within a 4-acre paradise of citrus groves and tropical greens, this single-level Rancho Del Lago estate welcomes you with Mediterranean beauty and sophisticated design. Located in one of...
$5,250,000
Neighborhood: Rancho Santa Fe
5
Beds
5F11/2
Baths
6,525
Sq.Ft.
2002
Year Built
25
Days on Site
220018451
MLS
Rare opportunity awaits your family in the guarded elite community of The Bridges, in historic Rancho Santa Fe. Imagine quality time in your custom private estate by your shimmering pool that...
$6,450,000
Neighborhood: Covenant
5
Beds
5F11/2
Baths
7,400
Sq.Ft.
1998
Year Built
26
Days on Site
305695434
MLS
Serenity in the heart of the Rancho Santa Fe Covenant. Elegant and spacious living with a seamless open floor plan embracing 2 nearly flat private and peaceful acres tucked away down a long and...
$3,798,000
Neighborhood: Covenant
4
Beds
4F11/2
Baths
4,163
Sq.Ft.
1994
Year Built
26
Days on Site
305700354
MLS
Surround yourself with beauty and privacy at this Chet Root-designed classic single-story home in Rancho Santa Fes prestigious Covenant. Sun-filled living, dining and family rooms with vaulted...
$6,998,000
Neighborhood: Covenant
7
Beds
8F21/2
Baths
9,170
Sq.Ft.
1993
Year Built
26
Days on Site
305700662
MLS
This two-story resort style Mediterranean estate with contemporary design elements is located on the desirable West-side of the exclusive Covenant in Rancho Santa Fe. Perched at the end of a...
5
Beds
5F11/2
Baths
6,860
Sq.Ft.
2006
Year Built
26
Days on Site
305700768
MLS
In the heart of Rancho Santa Fe covenant, this gated single-story European style home offers five bedrooms and six bathrooms plus an office and a playroom or second office. Enjoy luxurious open floor...
5
Beds
4F11/2
Baths
4,673
Sq.Ft.
2001
Year Built
28
Days on Site
305695589
MLS
Mediterranean home in Rancho Santa Fe- Cielo surrounded by lush landscaping and outdoor entertaining areas, maximizing sweeping canyon and hillside views. This home has 5 bedrooms plus an office, 4.5...
$5,159,000
Neighborhood: Covenant
4
Beds
3F11/2
Baths
5,067
Sq.Ft.
1968
Year Built
28
Days on Site
220018083
MLS
People are always looking for an escape. This beautiful ranch style home resting on a high hilltop with views as far as the eye can see offers a zen-like tranquil retreat space. Resting on the West...
$4,995,000
Neighborhood: Covenant
4
Beds
4
Baths
3,660
Sq.Ft.
1968
Year Built
29
Days on Site
220017955
MLS
Phenomenal VIEWS on all usable 3 acres lot on a prime and QUIET location in RSF Covenant! Great sun orientation, 3 Bds SINGLE LEVEL traditional style w/ game room flawlessly connecting with resort...
$15,900,000
Neighborhood: Fairbanks Ranch
10
Beds
10F31/2
Baths
16,881
Sq.Ft.
1991
Year Built
30
Days on Site
305696597
MLS
Tranquility: A one-of-a-kind, almost totally self-sufficient, European estate compound in the highly sought after guard gated community of Fairbanks Ranch. No expense was spared in the interior and...
$11,888,888
Neighborhood: Del Rayo Estates
7
Beds
7F51/2
Baths
12,756
Sq.Ft.
1997
Year Built
30
Days on Site
305696608
MLS
Totally renovated extravagant Mediterranean estate in one of Rancho Santa Fes most premier locations with panoramic views to the ocean. Upon entering, the beauty of the home instantly overwhelms you....
$12,995,000
Neighborhood: Fairbanks Ranch
5
Beds
5F31/2
Baths
14,912
Sq.Ft.
1991
Year Built
30
Days on Site
305696615
MLS
This one-of-a-kind architectural award-winning French country home is located on a beautiful 3.6 acres in the premier Rancho Santa Fe community of Fairbanks Ranch. This European-styled home was...
$5,999,000
Neighborhood: Covenant
5
Beds
5F21/2
Baths
8,978
Sq.Ft.
1982
Year Built
32
Days on Site
305491968
MLS
Gorgeous West Side Covenant Hilltop Estate Home~ Living the Dream in North County San Diego~ This home is simply enchanting surrounded by mature palms, lush landscaping, swept by soft pacific breezes....
$4,900,000
Neighborhood: Covenant
7
Beds
5F11/2
Baths
6,990
Sq.Ft.
1984
Year Built
33
Days on Site
220017529
MLS
Serenity awaits. This custom home situated on 3+ usable AC in the west Covenant, features main level living and wraparound deck with gorgeous views of the property and beyond. A gourmet kitchen with...
$8,495,000
Neighborhood: Del Mar Country Club
6
Beds
7F21/2
Baths
10,492
Sq.Ft.
1999
Year Built
33
Days on Site
305694746
MLS
Exceptional custom Mediterranean estate located behind the guarded gates in prestigious Del Mar Country Club. Majestically set on a lushly landscaped acre lot thoughtfully designed to take advantage...
$12,995,000
Neighborhood: Covenant
5
Beds
5F31/2
Baths
10,085
Sq.Ft.
2006
Year Built
35
Days on Site
305490804
MLS
JUST REFRESHED Escape to a private, lushly landscaped all fenced and gated 3.04 acre oasis, where one can enjoy the beauty found at this prime Rancho Santa Fe Covenant Golf course location with 300...
$10,995,000
Neighborhood: The Covenant
6
Beds
8F31/2
Baths
11,400
Sq.Ft.
2007
Year Built
36
Days on Site
305489732
MLS
A luxurious European Spanish Estate that will transport you into paradise. Custom built by Greg Agee, this peaceful 8BD/11BA estate is made with the finest materials and design featuring warm...
Open 8/9
16101 Via Madera Circa E Rancho Santa Fe, CA 92091
$2,199,000
Neighborhood: Whispering Palms
4
Beds
3
Baths
2,983
Sq.Ft.
1970
Year Built
42
Days on Site
220016671
MLS
Welcome to your Golf Course View home in the sought-after community of Whispering Palms in Rancho Santa Fe! Almost every room in this wonderful home features large windows highlighting expansive golf...

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