92677
Laguna Niguel, California.
Laguna Niguel, Orange County, CA · Los Angeles-Long Beach-Anaheim, CA metro · population 64,139
to buy the typical home at today's mortgage rate — +$4,948 (+172%) since Jan 2020.
- 1 year
- Up $71,622 +5%
- $1,420,407$1,492,029 since Sep 2025
- 5 years
- Up $517,426 +53%
- $974,603$1,492,029 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 92677$7,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 8 years.
Typical home values in zip 92677 rose 5.0% over the past year — faster than the nation's +1.2%.
Asking rents in zip 92677 rose 6.8% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 92677 runs $6,903/mo more than renting one — the widest that gap has been in this data.
That is $10,246 a month against $3,343 rent: a $7,831 mortgage payment, plus $818 property tax and $1,597 insurance & upkeep.
Owning vs renting — zip 92677
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$10,246
- Renting$3,343
- Mortgage only$7,831
Property tax · $818/mo 0.66% of value a year — the ACS 2020-2024 median bill over the median home value for Orange County, CA
Insurance & upkeep · $1,597/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Zillow also publishes an index for the city itself: Laguna Niguel, CA — measured over the city limits, which is a different area from this zip.
Asking rent — 92677
Against the Los Angeles-Long Beach-Anaheim, CA metro and the national benchmark.
- 92677$3,343
- Los Angeles$2,929
- United States$1,932
Typical home value — 92677
Mid-tier homes, smoothed and seasonally adjusted.
- 92677$1,492,029
- Los Angeles$950,020
- United States$366,157
Within 20 miles
Showing 30 of 46 zips in range — sorting picks from all 46.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.5 | 92629 | Dana Point | 25,579 | $4,234 | $1,790,155 |
| 3.5 | 92675 | San Juan Capistrano | 35,095 | $4,131 | $1,335,787 |
| 3.6 | 92656 | Aliso Viejo | 52,229 | $3,469 | $980,662 |
| 4.5 | 92653 | Laguna Hills | 29,624 | $3,024 | $1,277,135 |
| 4.7 | 92651 | Laguna Beach | 23,557 | $5,560 | $3,114,975 |
| 5.1 | 92624 | Capistrano Beach | 7,211 | $4,652 | $1,704,699 |
| 5.7 | 92637 | Laguna Woods | 17,289 | $3,081 | $458,554 |
| 6.1 | 92691 | Mission Viejo | 45,841 | $3,313 | $1,202,217 |
| 6.7 | 92692 | Mission Viejo | 47,022 | $3,121 | $1,202,341 |
| 6.9 | 92673 | San Clemente | 29,406 | $3,592 | $1,745,814 |
| 7.2 | 92694 | Ladera Ranch | 35,764 | $3,656 | $1,265,716 |
| 8.2 | 92688 | Rancho Santa Margarita | 43,320 | $2,849 | $1,003,972 |
| 8.3 | 92630 | Lake Forest | 67,152 | $3,204 | $1,171,463 |
| 8.6 | 92657 | Newport Coast | 9,920 | $5,276 | $5,547,446 |
| 8.7 | 92603 | Irvine | 18,387 | $4,315 | $2,316,790 |
| 9.8 | 92618 | Irvine | 66,126 | $3,619 | $1,515,388 |
| 10.6 | 92625 | Corona Del Mar | 12,294 | $7,599 | $4,342,564 |
| 11.1 | 92617 | Irvine | 24,017 | — | $807,527 |
| 11.1 | 92610 | Foothill Ranch | 12,867 | $2,949 | $1,220,350 |
| 11.4 | 92612 | Irvine | 33,714 | $3,543 | $1,160,437 |
| 12.0 | 92679 | Trabuco Canyon | 30,818 | $4,216 | $1,571,014 |
| 12.0 | 92662 | Newport Beach | 2,294 | $6,308 | $4,647,099 |
| 12.1 | 92604 | Irvine | 26,491 | $3,556 | $1,343,576 |
| 12.2 | 92660 | Newport Beach | 34,890 | $4,404 | $3,270,812 |
| 12.3 | 92661 | Newport Beach | 3,079 | $6,808 | $4,704,738 |
| 12.7 | 92620 | Irvine | 61,631 | $3,880 | $1,622,926 |
| 12.9 | 92614 | Irvine | 29,239 | $3,458 | $1,191,420 |
| 13.3 | 92606 | Irvine | 23,990 | $3,450 | $1,422,892 |
| 13.8 | 92602 | Irvine | 28,261 | $3,544 | $1,946,132 |
| 13.8 | 92672 | San Clemente | 36,939 | $3,398 | $1,754,313 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.