Laguna Niguel in short: The typical home is worth about $1,486,000 as of August 2026, up 4.8% in a year, against about $1,179,000 across Orange County. About 224 homes are for sale. Homes that sell go under contract in about 28 days. Typical rent is about $3,380 a month. First-time buyers can combine county and state down payment programs.
Laguna Niguel is a South County city of rolling hills and planned neighborhoods between Aliso Viejo, Mission Viejo and Dana Point. It is known for its parks, including Laguna Niguel Regional Park, and for the ziggurat-shaped federal building near the 73.
Most of the city was developed from the 1970s through the 1990s, with single-family homes, townhomes and condos in HOA communities, including guard-gated neighborhoods. Many homes have ocean or canyon views, and values sit above the county's typical figure.
With so many HOA communities, I compare dues, reserves and any special assessments as part of every search, along with the view and the age of the home.
Laguna Niguel housing market, August 2026
Home values in Laguna Niguel are up 4.8% from a year ago and up 19.2% over three years. Homes that sell are going under contract in about 28 days. About 33.7% 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 2.7% 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 Niguel home costs to own
20% down
$9,786/month
- Down payment$297,121
- Principal and interest$7,867
- Property tax$1,362
- Insurance$557
Income to qualify: about $419,000 a year
10% down
$11,382/month
- Down payment$148,561
- Principal and interest$8,851
- Property tax$1,362
- Insurance$557
- Mortgage insurance$613
Income to qualify: about $488,000 a year
Estimates on the typical home value of $1,486,000 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 Niguel
- Marina HillsHillside homes with views near the southern edge of the city.
- Bear Brand RanchA guard-gated community of larger homes.
- Crown Valley corridorTownhomes and single-family homes near parks and shopping along Crown Valley Parkway.
Schools
Capistrano Unified School District serves Laguna Niguel. Always confirm the assigned school for a specific address with the district.
Getting around
The 73 toll road and Interstate 5 serve the city, and the Laguna Niguel/Mission Viejo Metrolink station is on its eastern edge.
Down payment help for Laguna Niguel 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 Niguel ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92677 | $1,478,000 | $742 | 170 | 50 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Laguna Niguel real estate questions
How much does a home cost in Laguna Niguel?
As of August 2026, the typical home value in Laguna Niguel is about $1,486,000, up 4.8% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $1,459,000. 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 Niguel?
At the typical value of $1,486,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $11,382. Lenders would usually look for household income around $487,800. 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 Niguel buyers?
Yes. Countywide, first-time buyers in Laguna Niguel 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.
Are there gated communities in Laguna Niguel?
Yes. Laguna Niguel has several guard-gated and private communities, such as Bear Brand Ranch, along with many non-gated HOA neighborhoods. Gated communities usually carry higher HOA dues, so I compare the full monthly cost when we look.
Official resources
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