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City · 64,139 residents · Orange County, California

Laguna Niguel , California

In Laguna Niguel, a typical home is worth $1,190,900 and typical rent is $2,903 a month. Compared with all of Orange County, the typical home value is 24% higher, typical household income is 21% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $1,190,900

    24% above the county

    62% above California

    • Laguna Niguel
    • Orange
    • California

  • Typical rent

    $2,903a month

    19% above the county

    43% above California

    • Laguna Niguel
    • Orange
    • California

  • Typical household income

    $140,452a year

    21% above the county

    42% above California

    • Laguna Niguel
    • Orange
    • California

  • Households that own their home

    67%

    11 points above the county

    12 points above California

    • Laguna Niguel
    • Orange
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,493,093
5% more than 12 months ago
Typical rent
$3,343 a month
6.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Laguna Niguel 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Laguna Niguel apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Aliso Viejo, the typical home value is $917,900: 23% less than in Laguna Niguel ($1,190,900).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Laguna Niguel rose 5%; in California, it rose 0.6%.

  3. The typical home in Laguna Niguel is worth $1,190,900, 24% more than in Orange County as a whole ($962,600).

  4. Nearby, in San Juan Capistrano, the typical rent is $2,438: 16% less than in Laguna Niguel ($2,903).

  5. The typical household income in Laguna Niguel is $140,452, 21% more than in Orange County as a whole ($116,289).

  6. The typical rent in Laguna Niguel is $2,903 a month, 19% more than in Orange County as a whole ($2,434).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Laguna Niguel

What homes there are in Laguna Niguel, 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

The detached house rules in Laguna Niguel: 55% of homes, more than in Orange County (49%).

Year built

The typical home in Laguna Niguel was built in 1986, 9 years after the typical one in Orange County.

There is more room for a big family here: 61% of homes have 3 bedrooms or more, against 56% in Orange County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,755 a month

Orange County: $3,385 a month

Without a mortgage

$1,127 a month

Orange County: $902 a month

Owners with a mortgage

71%

Orange County: 67%

Owning costs more in Laguna Niguel: with a mortgage, the typical cost is $3,755 a month; in Orange County, $3,385. Without one, $1,127.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Laguna Niguel rose at about the same pace as in Orange County: 44% against 42%.

Rents in Laguna Niguel rose more slowly than in Orange County: 28% since 2015–2019, against 31%.

While home values in Laguna Niguel changed +44% and rent +28%, the typical household income rose 29%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLaguna NiguelOrange CountyCaliforniaUnited States
Rental vacancy 5.7%4.4%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 3.1%8.9%8.2%3.4%
People per household 2.482.872.842.53
Drive alone 63%68%66%69%
Carpool 7%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 27%19%17%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Laguna Niguel, the rental vacancy rate is 5.7%; in Orange County, 4.4%.

More than one person per room: that is how 3.1% of households in Laguna Niguel live, less than in Orange County (8.9%).

Households in Laguna Niguel are smaller: 2.48 people on average; in Orange County, 2.87.

Many people here do not commute at all: 27% work from home; in Orange County, 19%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Laguna Niguel?

A typical home costs more than the typical income allows

We start with a typical home in Laguna Niguel, worth $1,190,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 83% of the typical household income in Laguna Niguel, which is $140,452 a year. For that payment to be 28% of income, a household would need to earn about $417,484 a year.

The calculator's FHA and conventional loan limits are those of all of Orange County.

Your numbers

Local data
$

Starts at the typical home value in Laguna Niguel. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $41,682 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$9,741

at 7.18% · 30 years

Loan amount
$1,169,329
Total interest
$1,682,391
Paid off in
November 2056

Includes $20,111 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,277 a month

  • Tight

    $3,277 to $4,214 a month

  • Hard

    more than $4,214 a month

    Your payment · 83%

Compared with the typical household income in Laguna Niguel ($140,452 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$9,741
Principal & interest$7,921
Property tax$605
Home insurance$496
FHA mortgage insurance (MIP)$718

You need at least $41,682 for the down payment, plus closing costs.

Next step

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.

The city and its county

Laguna Niguel and Orange County

Laguna Niguel 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).

Laguna Niguel's own numbers

Typical home value
$1,190,900
Typical monthly rent
$2,903
Typical yearly household income
$140,452
Households that own their home
67%
Effective property tax rate
0.61%

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.

Everything about Orange County

Buying

Buying a home in Laguna Niguel

A typical home in Laguna Niguel is worth $1,190,900: 24% above the county and 62% above California. With the typical household income in Laguna Niguel ($140,452 a year), a typical home costs 8.5 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.

  • Laguna Niguel 8.5 years
  • Orange 8.3 years
  • California 7.4 years
  • United States 4.1 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.

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

Laguna Niguel 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
  • Laguna Niguel $1,190,900
  • Orange $962,600
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Laguna Niguel $2,903
  • Orange $2,434
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Laguna Niguel $140,452
  • Orange $116,289
  • California $99,122
  • United States $80,734
See the full table
Laguna Niguel next to Orange County and California
Measure Laguna Niguel Orange County California U.S.
Typical home value $1,190,900 $962,600 $734,700 $332,700
Typical monthly rent $2,903 $2,434 $2,036 $1,413
Typical yearly household income $140,452 $116,289 $99,122 $80,734
Households that own their home 67% 56% 56% 65%
Typical yearly property tax $7,206 $6,330 $5,124 $3,119
Effective property tax rate 0.61% 0.66% 0.7% 0.94%
Renters with high rent for their income 58% 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 Laguna Niguel

For a typical $1,190,900 home in Laguna Niguel, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laguna Niguel's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $9,741a month

    Least cash to close
    Down payment
    $41,682
    Cash to close
    $77,409
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $718

  • Conventional, 5% down $9,331a month

    Down payment
    $59,545
    Cash to close
    $95,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $566

  • Conventional, 20% down, no PMI $7,556a month

    Down payment
    $238,180
    Cash to close
    $273,907
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $8,657a month

    Down payment
    $178,635
    Cash to close
    $214,362
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Laguna Niguel and for Orange County.

Property tax

Effective rate in Laguna Niguel

0.61%of the home’s value each year

$7,206 a year for the typical owner in Laguna Niguel.

  • Laguna Niguel 0.61%
  • Orange 0.66%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Orange County

FEMA does not publish these numbers by city: they are for all of Orange County.

Homes in the high-risk zone
2.8%
22,389
Of those, with NFIP insurance
19%
County California U.S.
Homes in the high-risk zone 2.8% 2.8% 3.5%
Of those, with NFIP insurance 19% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laguna Niguel

Typical rent in Laguna Niguel is $2,903 a month: 19% above the county. In Laguna Niguel, 58% 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.

HUD fair market rent for all of Orange County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Laguna Niguel

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laguna Niguel is in ZIP code 92677.

For 2 bedrooms it is $3,690: $633 more than the fair market rent for Orange County ($3,057).

  • 92677 $3,690$5,010

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Laguna Niguel 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Laguna Niguel

HUD lists 2 buildings with rents for lower incomes in Laguna Niguel. These are the largest.

  • Village La Paz 24275 Avenida Breve, Laguna Niguel 92677 100 low-income homes · For families (949) 831-1534
  • Alicia Park Apartments 23681 Cambridge Cir, Laguna Niguel 92677 56 low-income homes · For families (949) 495-5131

See all 236 buildings in Orange County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Laguna Niguel

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Laguna Niguel

No down payment, repair or rent-help program on our list is for Laguna Niguel or Orange County. The ones below are statewide in California: they work in Laguna Niguel the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    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).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    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).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    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).

    Deferred

    See the program Official page

Housing counselors near Laguna Niguel

The HUD-approved agencies closest to the center of Laguna Niguel, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Affordable Housing Clearinghouse

    23201 Lake Center Dr Ste 203, Lake Forest · 7 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (949) 859-9255

  • Greenpath Financial Wellness

    5151 California Ave, Irvine · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 217-0543

  • Orange County Fair Housing Council, Inc

    2021 E 4th St, Santa Ana · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (714) 569-0823

Every agency in Orange County All counseling agencies in California

Help in Spanish near Laguna Niguel

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 Laguna Niguel

HUD’s record names them for Laguna Niguel or Orange County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

3 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

These cities are also in Orange County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Orange County Housing in California
See 28 more cities in Orange County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Laguna Niguel, with the typical home value.

Neighboring counties

If Orange County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Laguna Niguel.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Laguna Niguel

Short answers with the numbers for Laguna Niguel 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 Laguna Niguel?

The typical home value in Laguna Niguel is $1,190,900, 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 Laguna Niguel?

Typical rent in Laguna Niguel is $2,903 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 Laguna Niguel?

Laguna Niguel 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 Laguna Niguel?

The typical homeowner in Laguna Niguel pays $7,206 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Orange County, the rate is 0.66%.

Where can I find free help to buy or rent in Laguna Niguel?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).