City · 17,289 residents · Orange County, California
Laguna Woods, California
In Laguna Woods, a typical home is worth $394,600 and typical rent is $2,328 a month. Compared with all of Orange County, the typical home value is 59% lower, typical household income is 49% lower, and the share of households that own their home is 15 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $392,595 to $458,736.
Typical rent
$3,081a month
▲ 3.9% more than 12 months ago
Typical rent from Zillow, September 2022 to September 2026: from $2,617 to $3,081.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Laguna Woods 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
The typical home in Laguna Woods is worth $394,600,59% less than in Orange County as a whole ($962,600).
2
Laguna Woods has the 16th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (76%).
3
The typical household income in Laguna Woods is $59,269,49% less than in Orange County as a whole ($116,289).
4
72% of households in Laguna Woods own their home, against 56% in Orange County.
5
According to Zillow, in the 12 months to September 2026 the typical home value in Laguna Woods rose 3.9%; in California, it rose 0.6%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Laguna Woods
What homes there are in Laguna Woods, 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
Laguna Woods
Orange County
California
United States
Kind of home: Laguna Woods and its comparisons
Measure
Laguna Woods
Orange County
California
United States
Detached house
7%
49%
57%
61%
Attached house
22%
13%
7%
6%
Building of 2 to 4
20%
9%
8%
8%
Apartments (5 or more)
51%
26%
24%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Many people here live in apartments: 5 in 10 homes; in Orange County, 3.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Laguna Woods
Orange County
California
United States
Year built: Laguna Woods and its comparisons
Measure
Laguna Woods
Orange County
California
United States
Before 1960
7%
17%
27%
26%
1960–1979
83%
40%
29%
24%
1980–1999
9%
26%
25%
25%
2000–2009
Unreliable estimate
8%
11%
14%
2010 or later
Unreliable estimate
9%
8%
11%
Homes in Laguna Woods are older: the typical year built is 1969; in Orange County, 1977.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either side
Under $100K4%
$100K–$200K6%
$200K–$300K18%
$300K–$500K43%
$500K–$750K17%
$750K–$1M8%
$1M or more5%
FHA limit: $1,249,125
Value of owner-occupied homes: Laguna Woods and its comparisons
Measure
Laguna Woods
Under $100K
4%
$100K–$200K
6%
$200K–$300K
18%
$300K–$500K
43%
$500K–$750K
17%
$750K–$1M
8%
$1M or more
5%
At least 95% of owner-occupied homes in Laguna Woods are worth less than $1,000,000, below the FHA loan limit for Orange County ($1,249,125).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9999%
$1,000–$1,499Unreliable
$1,500–$1,99912%
$2,000–$2,49940%
$2,500–$2,99919%
$3,000 or more17%
Monthly rent with utilities: Laguna Woods and its comparisons
Measure
Laguna Woods
Under $500
Unreliable estimate
$500–$999
9%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
12%
$2,000–$2,499
40%
$2,500–$2,999
19%
$3,000 or more
17%
With a mortgage
$2,196 a month
Orange County: $3,385 a month
Without a mortgage
$1,093 a month
Orange County: $902 a month
Owners with a mortgage
25%
Orange County: 67%
Owning costs less in Laguna Woods: with a mortgage, the typical cost is $2,196 a month; in Orange County, $3,385. Without one, $1,093.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Laguna Woods+37%
Orange County+42%
California+46%
United States+53%
Typical rent
Laguna Woods+33%
Orange County+31%
California+36%
United States+33%
Typical household income
Laguna Woods+35%
Orange County+29%
California+32%
United States+29%
Change since 2015–2019: Laguna Woods and its comparisons
Measure
Laguna Woods
Orange County
California
United States
Typical home value
+37%
+42%
+46%
+53%
Typical rent
+33%
+31%
+36%
+33%
Typical household income
+35%
+29%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Laguna Woods rose 37%; in Orange County, it rose 42%.
The typical rent in Laguna Woods rose 33% since 2015–2019, about the same as in Orange County (31%).
To compare: typical income in Laguna Woods rose 35%; the home, +37%; the rent, +33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Laguna Woods and its comparisons
Measure
Laguna Woods
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
1.47
2.87
2.84
2.53
Drive alone
67%
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
21%
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
On average, a household in Laguna Woods has 1.47 people, fewer than in Orange County (2.87).
In Laguna Woods, 67% of workers drive alone to work; in Orange County, 68%.
Do the math
What would you pay each month for a home in Laguna Woods?
A typical home costs more than the typical income allows
We start with a typical home in Laguna Woods, worth $394,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Laguna Woods, which is $59,269 a year. For that payment to be 28% of income, a household would need to earn about $136,739 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 Laguna Woods. 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 $13,811 (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
$3,191
at 7.18% · 30 years
Loan amount
$387,453
Total interest
$557,454
Paid off in
November 2056
Includes $6,664 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,383 a month
Tight
$1,383 to $1,778 a month
Hard
more than $1,778 a month
Your payment · 65%
Compared with the typical household income in Laguna Woods ($59,269 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,625
Property tax
$227
Home insurance
$164
FHA mortgage insurance (MIP)
$175
You need at least $13,811 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 $3,191; principal and interest $2,625.
The city and its county
Laguna Woods and Orange County
Laguna Woods 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 Woods
Map of Orange County, California, with Laguna Woods marked. Around it, the neighboring counties.
Laguna Woods
Orange County
Other cities with a page
Laguna Woods's own numbers
Typical home value
$394,600
Typical monthly rent
$2,328
Typical yearly household income
$59,269
Households that own their home
72%
Effective property tax rate
0.69%
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 Laguna Woods is worth $394,600: 59% below the county and 46% below California. With the typical household income in Laguna Woods ($59,269 a year), a typical home costs 6.7 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 Woods6.7 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
Laguna Woods 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 Woods$394,600
Orange$962,600
California$734,700
United States$332,700
Typical monthly rent
Laguna Woods$2,328
Orange$2,434
California$2,036
United States$1,413
Typical yearly household income
Laguna Woods$59,269
Orange$116,289
California$99,122
United States$80,734
See the full table
Laguna Woods next to Orange County and California
Measure
Laguna Woods
Orange County
California
U.S.
Typical home value
$394,600 ▼59% below the county
$962,600
$734,700
$332,700
Typical monthly rent
$2,328 ▼4% below the county
$2,434
$2,036
$1,413
Typical yearly household income
$59,269 ▼49% below the county
$116,289
$99,122
$80,734
Households that own their home
72% ▲15 points above the county
56%
56%
65%
Typical yearly property tax
$2,713 ▼57% below the county
$6,330
$5,124
$3,119
Effective property tax rate
0.69% ▲0.03 points above the county
0.66%
0.7%
0.94%
Renters with high rent for their income
76% ▲19 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 Laguna Woods
For a typical $394,600 home in Laguna Woods, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laguna Woods's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,191a month
Least cash to close
Down payment
$13,811
Cash to close
$25,649
Rate
7.18%
Mortgage insurance
FHA MIP · $175
Conventional, 5% down$3,118a month
Down payment
$19,730
Cash to close
$31,568
Rate
7.18%
Mortgage insurance
PMI · $187
Conventional, 20% down, no PMI$2,530a month
Down payment
$78,920
Cash to close
$90,758
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,895a month
Down payment
$59,190
Cash to close
$71,028
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Laguna Woods
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,191
$13,811
$387,453
7.18%
FHA MIP · $175
$25,649
580
Conventional, 5% down
$3,118
$19,730
$374,870
7.18%
PMI · $187
$31,568
620*
Conventional, 20% down, no PMI
$2,530
$78,920
$315,680
7.18%
None
$90,758
620*
ITIN, 15% down (example)
$2,895
$59,190
$335,410
8.18%
None
$71,028
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 Laguna Woods is $2,328 a month: 4% below the county. In Laguna Woods, 76% 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 Laguna Woods
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laguna Woods is in ZIP code 92637.
For 2 bedrooms it is $2,920: $137 less than the fair market rent for Orange County ($3,057).
Fair market rent by ZIP code and size in Laguna Woods, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
92637
$2,420
$2,480
$2,920
$3,960
$4,730
ZIP code2 bd3 bd
92637 $2,920$3,960
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 Woods 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 Laguna Woods or Orange County. The ones below are statewide in California: they work in Laguna Woods 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 Laguna Woods, 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 · 1 miles away · Spanish
No legal help resource on our list is for Laguna Woods 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 Laguna Woods 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 Woods?
The typical home value in Laguna Woods is $394,600, 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 Woods?
Typical rent in Laguna Woods is $2,328 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 Woods?
Laguna Woods 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 Woods?
The typical homeowner in Laguna Woods pays $2,713 a year, according to the U.S. Census Bureau. That is 0.69% 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 Woods?
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.
