Laguna Niguel condo prices in 2026
Redfin's figures for ZIP 92677, which covers almost all of Laguna Niguel, split attached homes into two groups. In the three months to September 30, 2026:
| Measure (ZIP 92677) | Condos | Townhouses | Detached houses |
|---|---|---|---|
| Median sale price | $724,979 | $1,200,002 | $1,792,048 |
| Change from a year earlier | -7.7% | +35.0% | +4.8% |
| Median price per square foot | $663 | $661 | $800 |
| Homes sold | 61 | 13 | 106 |
| Median days to go under contract | 42 | 59 | 46 |
| Average sale-to-list ratio | 99.5% | 98.4% | 98.4% |
| Sold above list | 23.6% | 15.3% | 20.2% |
| Months of supply | 3.1 | 3.9 | 2.8 |
Condos were the busiest attached segment: 61 sales, 19.2% more than a year earlier, at a median about $1.07 million below a detached house. The townhouse figure rests on only 13 sales, so its 35% jump says more about which homes sold than about a trend. On a $724,979 condo with 20% down ($144,996), a loan of $579,983 at Freddie Mac's 7.24% average (week of October 29, 2026) costs about $3,953 a month in principal and interest. The 1.00850% tax rate in 99 of the city's 103 tax rate areas adds about $609 a month, and HOA dues come on top.
Best areas to buy a condo in Laguna Niguel
Attached homes are spread unevenly across the city. The Census counts 5,551 single-family attached homes (townhouse-style) and about 5,600 homes in buildings of five or more units, out of 27,643 in total, but some tracts are almost all detached houses. The shares below are Census ACS 2020-2024 figures for the tract around each area; complex names come from OpenStreetMap. Confirm with the listing agent whether a complex is owner-occupied condos or a rental community before you plan around it.
Village Niguel and the La Paz Road corridor
The northern edge of the city, near State Route 73 and La Paz Road, has the largest concentration of attached homes: in its tract 22% are single-family attached, 10% are in two- to four-unit buildings and 30% are in buildings of five or more units. OpenStreetMap shows complexes such as Village Niguel Terrace, Village Niguel Gardens, Village Niguel Heights and Village La Paz. The tract's Census median value, $877,500, was the lowest of the 13 Laguna Niguel areas we sampled. The city's housing plan notes that some older multifamily buildings here, such as Casa La Paz and Milano, show more maintenance needs, so read the reserve study closely.
Rancho Niguel and San Joaquin Hills
East of Laguna Niguel Regional Park, the San Joaquin Hills tract is 19% attached homes and 25% larger buildings, while Rancho Niguel itself is mostly detached. OpenStreetMap places Expressions at Rancho Niguel, Mirador at Rancho Niguel and Del Prado here. Marian Bergeson Elementary, on Rancho Niguel Road, is nearby; check the district's School Locator for any address.
Niguel Summit and the west side
West of Crown Valley Community Park, the Niguel Summit tract is 29% single-family attached and 16% larger buildings, and the tract around the Moulton fields is 27% attached. OpenStreetMap shows complexes such as Crown Valley Condominiums, La Vista and Laguna Crest Homes I. Several rental communities also sit here, including Niguel Summit Apartment Homes, so check each address.
Hidden Hills and Marina Hills
Between Golden Lantern and Niguel Road, the Hidden Hills tract has the highest share of larger buildings in our sample at 36%, and the Marina Hills tract is 25% attached. Owner occupancy in the Hidden Hills tract is 49%, the lowest of the areas we sampled, so expect more investor-owned units and rentals; ask the HOA for the owner-occupancy figure, which also affects financing.
South Laguna Niguel: Bear Brand, Beacon Hill and Ocean Ranch
The southern tract is 32% single-family attached homes but only 3% larger buildings, so attached homes here are mostly townhouses and paired homes rather than stacked flats. It also had the highest Census median value we found, $1,739,300, which is reflected in Laguna Niguel's townhouse median of $1,200,002.
New attached homes: the Cove at El Niguel and the Gateway
Few new condos are coming. A state environmental filing describes the Cove at El Niguel as 22 three-story condominium-style homes in six triplex and two duplex buildings on about 2 acres at Crown Valley Parkway and Playa Blanca, on land cleared after the 1998 Via Estoril landslide. The city's housing plan lists it as approved, along with Paseo De Colinas, an in-process infill site of three- to six-unit clusters. The Laguna Niguel City Center next to City Hall will add 275 homes, but the city describes them as two apartment buildings, not condos. Ask the city's planning division for current status before you wait on any project.
Is it wise to buy a condo in Laguna Niguel now?
It can be, if the association is healthy. Census median years built across Laguna Niguel's tracts run from 1972 to 1992, so many complexes have roofs, plumbing and balconies at the age where big repairs come due. Three checks matter most:
- Balcony and deck inspections. California's SB 326 balcony law applies to condo associations. Ask for the latest inspection report and any repair plan; our California balcony inspection law guide explains the deadlines.
- Reserves. Compare the reserve fund with the reserve study's recommended level. A low percentage often means a special assessment or a dues increase.
- The master insurance policy. Ask for the declarations page. If the association has moved to the California FAIR Plan or raised its deductible, your own HO-6 policy may need to cover more.
Our California HOA laws guide lists the documents a seller must provide.
Financing a Laguna Niguel condo
Warrantability and conventional loans
Lenders look at the whole project, not just your unit. High investor ownership, pending litigation, a large share of units behind on dues or one owner holding many units can make a project non-warrantable, which means fewer lenders and higher rates. Ask your lender to review the HOA questionnaire early in escrow.
FHA and VA approval
For an FHA loan, start by searching the project name on HUD's FHA condominium lookup. VA buyers should ask a VA lender to confirm the project meets VA rules before writing an offer.
Jumbo loans for townhouses
At Laguna Niguel's $1,200,002 townhouse median, a 20% down payment leaves a loan of $960,002, which may be a jumbo loan. Ask your lender for the current Orange County conforming limit and its rules for attached homes.
HOA dues, special assessments and taxes
Dues vary by complex and depend on what the association covers: water, trash, exterior insurance, pools and roofs. Many Laguna Niguel condos also sit inside a master association, so ask for both budgets and add them together. A closed townhouse sale on Nueva Vista Drive listed on MLSListings showed dues of $475 a month; treat that as one example, not a typical figure. Property tax starts at the 1.00850% total rate that 99 of Laguna Niguel's 103 tax rate areas carry in the county's 2026-27 rate book (four with school bonds run 1.01226% to 1.02720%); see our Orange County property tax guide.
Laguna Niguel condo buyer checklist
- Confirm the complex is a condo or townhouse association, not a rental community.
- Get the HOA budget, reserve study, CC&Rs, rules, the last 12 months of minutes and any pending special assessment.
- Read the balcony and walkway inspection report.
- Ask for the master insurance declarations and the deductible.
- Check rental caps and the owner-occupancy rate.
- Ask your lender to clear the project for your loan type.
- Look up the address for fire, flood and landslide hazards on Cal OES MyHazards.
- Compare the price with recent sales in the same complex, not the city median.
For the wider market, see our Laguna Niguel homes for sale guide and the 92677 data page. If you want help with a purchase, we profile our featured Laguna Niguel agent.