Laguna Woods in short: The typical home is worth about $463,000 as of August 2026, up 3.8% in a year, against about $1,179,000 across Orange County. About 257 homes are for sale. Homes that sell go under contract in about 30 days. Typical rent is about $2,910 a month. First-time buyers can combine county and state down payment programs.
Laguna Woods is a South County city made up largely of Laguna Woods Village, one of the largest age-restricted communities in the country for residents 55 and older. The Village offers golf, pools, clubs, a performing arts center and its own bus service.
Most homes are co-ops and condominiums, which is why the city's typical home value is far below the county figure. Buying a co-op works differently from buying a condo: you buy a share in a housing corporation, fewer lenders finance it, and monthly assessments cover more of the costs.
Age-restricted community rules and approval steps apply to buyers in the Village, and I walk you through them from the start so there are no surprises at closing.
Laguna Woods housing market, August 2026
Home values in Laguna Woods are up 3.8% from a year ago and up 8.7% over three years. Homes that sell are going under contract in about 30 days. About 26.1% 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 7.5% 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 Woods home costs to own
20% down
$3,052/month
- Down payment$92,678
- Principal and interest$2,454
- Property tax$425
- Insurance$174
Income to qualify: about $131,000 a year
10% down
$3,550/month
- Down payment$46,339
- Principal and interest$2,761
- Property tax$425
- Insurance$174
- Mortgage insurance$191
Income to qualify: about $152,000 a year
Estimates on the typical home value of $463,000 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 Woods
- Laguna Woods VillageThe main age-restricted community for residents 55 and older, with co-ops and condos.
- Outside the VillageA smaller number of homes in the city beyond the Village gates.
Schools
Saddleback Valley Unified School District covers the city. Always confirm the assigned school for a specific address with the district.
Getting around
Interstate 5 and the 405 are close by, and El Toro Road and Moulton Parkway are the main routes.
Down payment help for Laguna Woods 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 Woods ZIP codes at a glance
| ZIP | Median asking price | Per sq ft | Homes for sale | Median days on market |
|---|---|---|---|---|
| 92637 | $484,000 | $410 | 110 | 53 |
Realtor.com Research listing data by ZIP code, August 2026. A ZIP code can cross city lines.
Laguna Woods real estate questions
How much does a home cost in Laguna Woods?
As of August 2026, the typical home value in Laguna Woods is about $463,000, up 3.8% from a year earlier, according to the Zillow Home Value Index. The median asking price for homes listed that month was about $426,000. 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 Woods?
At the typical value of $463,000, with 10% down and a 6.95% 30-year fixed rate, the full monthly cost including property tax, insurance and mortgage insurance is about $3,550. Lenders would usually look for household income around $152,143. 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 Woods buyers?
Yes. Countywide, first-time buyers in Laguna Woods 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 the difference between a co-op and a condo in Laguna Woods Village?
With a condo you own your unit. With a co-op you buy a share in a housing corporation that owns the buildings, which gives you the right to live in your unit. Co-ops usually have higher monthly assessments that include more costs, and fewer lenders finance them. I help buyers compare both before they decide.
Official resources
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