The median home in Laguna Niguel, California is valued at $1,432,885, up 2.1% year over year. Typical monthly rent is $3,207, producing a price-to-rent ratio of 37.2x — well above the national average of 18x. Laguna Niguel is part of the Los Angeles-Long Beach-Anaheim, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,432,885
+2.1%
Rent$3,207/mo
AFFORDABILITYRenting $5,036/mo cheaper ($3,207 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Laguna Niguel.
$286,577 on $1,432,885
Out of reach — 131.9% of income
Need $353,271/yr to afford.
PITI$8,243
P/I131.9%
Afford$304K
Gap-$1129K
P&I $7,245Tax $848Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Los Angeles-Long Beach-Anaheim, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Los Angeles-Long Beach-Anaheim, CA metro.
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