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The Laguna Niguel real estate market in Orange County shows a median home price of $650,000 with an average price per square foot of $450/sq ft. Properties typically sell within 30 days and there are currently 500 homes on the market.
SRK CAPITAL provides comprehensive mortgage services for Laguna Niguel residents, including purchase loans, refinancing, FHA loans, VA loans, and jumbo mortgages. Our local expertise in the Orange County market ensures you get the best rates and terms available.
Last updated: 2026-01-01
Discover Laguna Niguel, one of California's first master-planned communities, featuring dramatic coastal hills with Pacific Ocean views, luxury gated communities, and 80+ miles of scenic trails.
Master-planned coastal community market data
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* Rates shown as of 2/12/2026 and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $99.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
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The city's most affluent gated community with ocean views, sprawling lots, and median prices of $2.7M (up to $30M)
Upscale area with panoramic views near El Niguel Country Club, featuring larger condos priced $800K-$1.2M
Ocean-close location with resort-style amenities, popular two-bedroom condos ranging $600K-$900K
Private community offering stunning views of Laguna Niguel Lake with exclusive residential properties
Budget-conscious community $500K-$700K with remodeled townhome-style condos and direct garage access
Discover mortgage opportunities in communities near Laguna Niguel
Artistic coastal town with world-renowned beaches and galleries
Master-planned community with excellent schools and family amenities
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Historic mission town with charming downtown and equestrian
Lake community with top-ranked schools and active lifestyle
From oceanfront estates in Bear Brand Ranch to family condos near top-rated schools, secure financing for your dream home in this master-planned coastal paradise with competitive mortgage rates.