CALCMONEY // HOME AFFORDABILITY // CA // LAGUNA BEACH
How much house can you afford in Laguna Beach? Based on local median home prices, current CA mortgage rates, and Laguna Beach property tax data.
$2,200,000
$14,466/mo
$619,967/yr
$1,131,868
Monthly housing costs of $14,466 represent 45.7% of Laguna Beach's median gross monthly income ($31,667/mo). At 45.7%, median-income buyers in Laguna Beach are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $2,200,000 |
| Down Payment (20%) | $440,000 |
| Loan Amount | $1,760,000 |
| Monthly PI Payment | $11,533 |
| Monthly Property Tax | $2,017 |
| Monthly Insurance Est. | $917 |
| Total Monthly PITI | $14,466 |
| Housing Cost % of Income | 45.7% |
| Required Income (28% rule) | $619,967/yr |
| Max Affordable Home | $1,131,868 |
$77,000
$18,348/mo
Laguna Beach Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $2,200,000 | Laguna Beach city median |
| Down Payment (20%) | $440,000 | Conventional loan |
| Monthly PITI | $14,466 | 6.85% rate, 30yr fixed |
| Required Income (28% rule) | $619,967 | Annual gross |
| Max Affordable Home | $1,131,868 | Based on median income |
| FHA Down (3.5%) | $77,000 | Minimum FHA |
| Housing Cost % of Income | 45.7% | Median income: $380,000/yr |
| Property Tax Rate | 1.1% | $24,200/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Laguna Beach is $2,200,000, with a local 30-year mortgage rate of 6.85%. A buyer putting 20% down carries a loan of $1,760,000, generating a monthly P&I payment of $11,533. Adding property taxes ($2,017/mo) and homeowners insurance ($917/mo) brings total monthly PITI to $14,466.
Laguna Beach's property tax rate of 1.1% is near the national average, adding a standard increment to monthly housing costs. On the Laguna Beach median home, that is $2,017/month, or $24,200 per year.
California levies a state income tax, which affects take-home pay and effective buying power. High-income earners in Laguna Beach should factor state tax liability into their overall housing budget — mortgage interest may be deductible on both federal and state returns.
Using the 28% rule, a household earning Laguna Beach's median income of $380,000/year can afford up to $8,867/month in total housing costs. Based on Laguna Beach's mortgage rate of 6.85% and property tax rate of 1.1%, that translates to a maximum affordable home price of approximately $1,131,868 with 20% down on a 30-year loan.
To afford the median Laguna Beach home priced at $2,200,000, you need an annual gross income of approximately $619,967. Total monthly housing costs (principal and interest of $11,533, property taxes of $2,017, and insurance of $917) come to $14,466/month, which equals 28% of the required income.
At the median home price of $2,200,000 and median household income of $380,000, the total monthly housing cost of $14,466 represents 45.7% of gross monthly income. This is well above the standard 28% threshold, making Laguna Beach a challenging market for buyers at median income.
A conventional 20% down payment on the median Laguna Beach home of $2,200,000 is $440,000. An FHA loan requires just 3.5% down — $77,000 — but adds mortgage insurance of roughly $1,504/month, bringing total FHA payments to $18,348/month.
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