Laguna Hills in short: The typical home is worth about $1,232,000 as of August 2026, up 3.4% in a year, against about $1,179,000 across Orange County. About 86 homes are for sale. Typical rent is about $3,110 a month. First-time buyers can combine county and state down payment programs.
Laguna Hills is a South County city along Interstate 5, between Mission Viejo, Lake Forest, Laguna Niguel and Laguna Woods. It is largely residential, with shopping and services near the freeway and the Laguna Hills Community Center and Sports Complex.
Neighborhoods include Nellie Gail Ranch, an equestrian community with large lots and riding trails, alongside 1960s and 1970s single-family tracts and condos. Values sit near the middle of the South County range, with Nellie Gail commanding a premium.
Many homes are part of HOAs, and I compare dues and what they cover as part of every search. Central Laguna Hills is one of the easier places in South County to commute from, with quick access to the 5.
Laguna Hills housing market, August 2026
Home values in Laguna Hills are up 3.4% from a year ago and up 12.8% over three years. About 24.9% of listings have had a price cut, which tells you how much room there is to negotiate. For comparison, the typical home value across Orange County is $1,179,000. At the typical rent and value, the gross rental yield is about 3.0% a year before expenses.
Sources: Zillow Research (home value and rent indexes, inventory, days to pending, price cuts) and Realtor.com Research, data through August 2026. These are market-wide figures, not an appraisal of any one home. See the Orange County market report for the county trend.
What a typical Laguna Hills home costs to own
20% down
$8,118/month
- Down payment$246,461
- Principal and interest$6,526
- Property tax$1,130
- Insurance$462
Income to qualify: about $348,000 a year
10% down
$9,442/month
- Down payment$123,231
- Principal and interest$7,342
- Property tax$1,130
- Insurance$462
- Mortgage insurance$508
Income to qualify: about $405,000 a year
Estimates on the typical home value of $1,232,000 at the 6.95% 30-year fixed average (2026-09-17), with property tax at 1.1% and insurance at 0.45% of value a year, and income at 28% of gross for housing. HOA dues and Mello-Roos are extra where they apply. Not a loan quote. Down payment programs below can cover part of the down payment. See 20 years of mortgage rates.
Neighborhoods in Laguna Hills
- Nellie Gail RanchEquestrian community with large lots, custom homes and riding trails.
- Central Laguna HillsSingle-family tracts and condos close to the freeway and shopping.
Schools
Saddleback Valley Unified School District serves Laguna Hills. Always confirm the assigned school for a specific address with the district.
Getting around
Interstate 5 runs through the city, with the 405 and the 73 close by.
Down payment help for Laguna Hills buyers
Orange County Mortgage Assistance Program (MAP) Open
OC Housing and Community Development
A deferred second loan at 3% simple interest of up to $120,000 for low-income and $80,000 for moderate-income first-time buyers. The price must be at or below 85% of the county median sales price.
Orange County Mortgage Credit Certificate (MCC) Open
County of Orange, administered by National Homebuyers Fund
A federal income tax credit on part of the mortgage interest you pay, every year for the life of the loan. Income up to 115% of area median income, and it stacks with MAP and other programs.
CalHFA MyHome Assistance Program Open
California Housing Finance Agency
A deferred junior loan of up to 3% of the price toward the down payment or closing costs, paired with a CalHFA first mortgage. No monthly payment until you sell, refinance or pay off the loan.
See every program you may qualify for
Program terms from the official program pages, last checked September 2026. Income and price limits apply and funds can close without notice, so confirm current terms before you rely on them.
Laguna Hills ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92653 | $1,250,000 | $702 | 47 | 47 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Laguna Hills real estate questions
How much does a home cost in Laguna Hills?
As of August 2026, the typical home value in Laguna Hills is about $1,232,000, up 3.4% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $1,188,000. Condos and townhomes usually sit below the typical value and larger detached homes above it.
What is the monthly payment on a typical home in Laguna Hills?
At the typical value of $1,232,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $9,442. Lenders would usually look for household income around $404,657. HOA dues and Mello-Roos are extra where they apply. This is an estimate, not a loan quote.
Is there down payment help for Laguna Hills buyers?
Yes. Countywide, first-time buyers in Laguna Hills can look at the Orange County Mortgage Assistance Program and the Orange County Mortgage Credit Certificate, and statewide at CalHFA's MyHome Assistance Program. Income and price limits apply, and the right combination depends on your situation. The finder on this site lists more than 40 programs across Southern California.
What is Nellie Gail Ranch?
Nellie Gail Ranch is an equestrian community in Laguna Hills with large lots, custom and semi-custom homes and miles of riding trails. It has its own homeowners association and typically sells at a premium to the rest of the city.
Official resources
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