Mortgage Rates in Laguna Niguel, California — March 2026
Updated March 2026 | Based on Laguna Niguel market data and regional lending conditions
Laguna Niguel is a growing city in California with a population of 64,452. The current 30-year fixed mortgage rate in Laguna Niguel is 6.69%, which is 0.04% above the national average. With a median home price of $724,000 and a 20% down payment of $144,800, homebuyers can expect a monthly principal and interest payment of approximately $3,734.
Current Mortgage Rates in Laguna Niguel, CA
Below are the current average mortgage rates available in the Laguna Niguel area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.94% | 6.85% | +0.09% |
Laguna Niguel Housing Market Overview
The Laguna Niguel housing market is competitive with prices well above the national median. The median household income in Laguna Niguel is $83,600, and the cost of living index is 148 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $180,471 to comfortably afford the median-priced home in Laguna Niguel, which exceeds the current median household income.
Monthly Payment Breakdown for Laguna Niguel
Based on the median home price of $724,000 with 20% down ($144,800), here is what you can expect to pay monthly in Laguna Niguel:
15-Year vs. 30-Year Mortgage in Laguna Niguel
Choosing a 15-year mortgage in Laguna Niguel at 5.94% instead of a 30-year at 6.69% would save you $467,820 in total interest over the life of the loan. However, your monthly payment would be $4,869 instead of $3,734 — an increase of $1,135 per month.
Calculate Your Laguna Niguel Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Laguna Niguel
What are the current mortgage rates in Laguna Niguel, CA?
As of March 2026, the average 30-year fixed mortgage rate in Laguna Niguel, California is 6.69%, while the 15-year fixed rate is 5.94%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Laguna Niguel?
Based on the median home price of $724,000 with 20% down, the estimated monthly mortgage payment in Laguna Niguel is $3,734 for principal and interest. Including property taxes of $477/month, the total monthly housing cost is approximately $4,211.
What income do I need to buy a home in Laguna Niguel?
Using the 28% rule, you would need an annual income of approximately $180,471 to afford the median-priced home in Laguna Niguel at $724,000. The median household income in Laguna Niguel is $83,600. This means most households would need to either earn above the median or consider homes below $724,000.
Is Laguna Niguel a good place to buy a home in 2026?
Laguna Niguel has a higher cost of living than average with a cost of living index of 148 (national average = 100). The property tax rate in California is 0.79%, which is below the national average. Laguna Niguel has a population of 64,452 and offers a balanced lifestyle.
Mortgage Rates in Other California Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Laguna Niguel, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.