Mortgage Rates in Laguna Beach, California — March 2026
Updated March 2026 | Based on Laguna Beach market data and regional lending conditions
Laguna Beach is a smaller California community of 32,798 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.79% (0.14% above the national average). The median home price of $980,000 translates to roughly $5,768/month with 20% down — requiring an income of about $247,200, which exceeds the local median of $77,500.
Current Mortgage Rates in Laguna Beach, CA
Below are the current average mortgage rates available in the Laguna Beach 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Laguna Beach Housing Market Overview
Laguna Beach's housing market is competitive — median prices of $980,000 put it well above the national median of ~$400,000. Buyers here face higher barriers to entry, but the local economy (median household income: $77,500) may not fully support current asking prices.
Monthly Payment Breakdown for Laguna Beach
Based on the median home price of $980,000 with 20% down ($196,000), here is what you can expect to pay monthly in Laguna Beach:
15-Year vs. 30-Year Mortgage in Laguna Beach
Choosing a 15-year mortgage in Laguna Beach at 6.02% instead of a 30-year at 6.79% would save you $645,840 in total interest over the life of the loan. However, your monthly payment would be $6,624 instead of $5,106 — an increase of $1,518 per month.
Calculate Your Laguna Beach 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 Beach
What are the current mortgage rates in Laguna Beach, CA?
As of March 2026, the average 30-year fixed mortgage rate in Laguna Beach, California is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Laguna Beach?
Based on the median home price of $980,000 with 20% down, the estimated monthly mortgage payment in Laguna Beach is $5,106 for principal and interest. Including property taxes of $662/month, the total monthly housing cost is approximately $5,768.
What income do I need to buy a home in Laguna Beach?
Using the 28% rule, you would need an annual income of approximately $247,200 to afford the median-priced home in Laguna Beach at $980,000. The median household income in Laguna Beach is $77,500. This means most households would need to either earn above the median or consider homes below $980,000.
Is Laguna Beach a good place to buy a home in 2026?
Laguna Beach has a higher cost of living than average with a cost of living index of 165.1 (national average = 100). The property tax rate in California is 0.81%, which is near the national average. Laguna Beach has a population of 32,798 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Laguna Beach, California area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.