Real Estate Investing in Laguna Niguel, California (92677)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Orange County • Population: 64,023 • Data updated: September 2026

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Should you buy in 92677 (Laguna Niguel, CA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • Tenant-protective state: Landlord rating 1.0/5 — slower evictions, more regulations.
  • High price-to-rent: Price-to-rent ratio 36.9 — hard to cash-flow at these prices.

What’s happening in Laguna Niguel, CA (92677)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $1,492,715
Avg Monthly Rent $3,372
1% Rule ✗ Does Not Meet
Median Income $135,822
% Renters 34.0%

Market Analysis: 92677 Laguna Niguel

The 92677 ZIP in Laguna Niguel, CA is a local-operator market. Outside capital chasing a $1.5M entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $1.5M asset, 92677 is the wrong submarket. If the plan prices in friction, the yield can still work.

Statewide comparisons place 92677 among CA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Demographically, 92677 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

The right play in 92677 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Laguna Niguel:

C+ Average
Buy Confidence Score: 62/100
Affordability
0/25
Appreciation
25/25
Stability
14/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 11× the median income
Value Trend
Rising (+5.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $3,372/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Los Angeles-Long Beach-Anaheim, CA Metro Area
Even conditions for buyers and sellers
50 days
Average time to sell
Average
8.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Los Angeles-Long Beach-Anaheim, CA metro data
🏠

Property Strategy for 92677

Which property type performs best in this market?

Best for Cash Flow
1BR
4.5% cap rate
Best for Appreciation
5BR
+12.4% 5yr CAGR
Best Overall Value
2BR
$397,514/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $522,169 $3,260 4.5% +8.2% $522,169
2BR $795,029 $3,840 3.5% +8.7% $397,514
3BR $1,320,411 $5,210 2.8% +11.0% $440,137
4BR $1,851,330 $6,230 2.4% +12.4% $462,832
5BR $2,326,404 +12.4% $465,281

Market Trends

Home Value History (with trend line)

$1.6M$1.3M$1.1M$870K$635K$400KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,479$3,169$2,859$2,549$2,238$1,928Jun 2016Jul 2021Jul 2026

📊 How Does 92677 Compare?

Metric 92677 Laguna Niguel Los Angeles-Long Beach-Anaheim, CA California
Home Value $1,492,715 $1,492,715 N/A $761,003
5-Year CAGR 9.4% 9.4% N/A 5.7%
Avg Rent $3,372 $3,372 N/A -
Cap Rate 1.8% 1.8% - -
💡 Why Invest in 92677? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 92677 (Laguna Niguel, CA). Anonymous, moderated, never written by AI.

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Property managers serving Orange County

Manage rentals here? List your business →

Action Property Management is an HOA management company serving various community types including large scale, high rise, new development, condos, and hotel residential. summary from their website

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Affinity Property Management, Inc. provides world-class service in property management, adapting to client needs and offering solutions for owners and tenants. summary from their website

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Aperto Property Management, Inc. aims to maximize real estate asset value and achieve investment goals through vision, professionalism, and personal service. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
1.8%
Low
5yr Growth
+9.4%
Strong

📊 Market Snapshot

Home Value $1,492,715
Monthly Rent $3,372
Price-to-Rent 36.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.7%
Cap Rate 1.8%
5-Year IRR 11.1%

📈 Home Appreciation

1-Year +5.0% ▲
3-Year CAGR +7.5% ▲
5-Year CAGR +9.4% ▲
10-Year CAGR +8.0% ▲

🏠 Rent Trends

1-Year +5.8% ▲
3-Year CAGR +2.7% ▲
5-Year CAGR +5.6% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 1.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
7.1%
Low risk
Landlord Climate
1.0/5
Protective
Value Trend (5yr)
+9.4%
Growing
Eviction process: Very Slow Rent control: Unfavorable

Demographics in 92677

Population: 64,023

💰 Median Household Income
$135,822
This area
$135,822
State
$94,164
USA
$74,580
🏠 Renter Occupied
34.0%
This area
34.0%
State
39.3%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-16.6%
USA
3.7%
🎓 College Educated
56.6%
This area
56.6%
State
7.7%
USA
33.7%
👤 Median Age
47.2 years
This area
47.2 years
State
9.6 years
USA
38.9 years
🏚️ Vacancy Rate
7.1%
This area
7.1%
State
15.3%
USA
10.5%
👥 Population by Ethnicity
White 69.5%
Other/Mixed 17.2%
Hispanic/Latino 11.4%
Asian 11.2%
Black/African American 2.0%
👶 Under 18
17.0%
This area
17.0%
USA
22.0%
👴 65 and Over
20.3%
This area
20.3%
USA
17.3%
📊 Poverty Rate
4.2%
This area
4.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 92677

B Avg School Grade
9 Schools
22.0:1 Avg Class Size
$14,678 Avg Per Pupil

Schools in This ZIP Code

B Good

Hidden Hills Elementary

📚 K – 05 Elementary
👥
317 Students
👨‍🏫
19.8:1 Class Size
💰
$15,039 Per Student
B Good

Laguna Niguel Elementary

📚 K – 05 Elementary
👥
397 Students
👨‍🏫
20.9:1 Class Size
💰
$15,039 Per Student
B Good

Niguel Hills Middle

📚 06 – 08 Middle
👥
733 Students
👨‍🏫
19.2:1 Class Size
💰
$15,039 Per Student
B Good

George White Elementary

📚 K – 05 Elementary
👥
390 Students
👨‍🏫
22.9:1 Class Size
💰
$15,039 Per Student
B Good

John Malcom Elementary

📚 K – 05 Elementary
👥
551 Students
👨‍🏫
23.0:1 Class Size
💰
$15,039 Per Student
B Good

Marian Bergeson Elementary

📚 K – 05 Elementary
👥
486 Students
👨‍🏫
24.3:1 Class Size
💰
$15,039 Per Student
B Good

Moulton Elementary

📚 K – 05 Elementary
👥
530 Students
👨‍🏫
24.1:1 Class Size
💰
$15,039 Per Student
C+ Average

Community Roots Academy

📚 K – 08 School Charter
👥
786 Students
👨‍🏫
18.6:1 Class Size
💰
$12,148 Per Student
C+ Average

Orange County Academy of Sciences and Arts

📚 K – 05 Elementary Charter
👥
223 Students
👨‍🏫
24.8:1 Class Size
💰
$14,681 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 16,887 Off-Campus Students
C+
Soka University of America
476 students · 2.5 mi
C
Saddleback College
18,370 students · 2.9 mi
D
South Orange County Community College District
0 students · 2.9 mi
C
Laguna College of Art and Design
807 students · 4.5 mi
D
University of Massachusetts Global
9,069 students · 9.6 mi
C+
Concordia University-Irvine
3,481 students · 10.7 mi
C
Irvine Valley College
11,994 students · 11.0 mi
A
University of California-Irvine
36,582 students · 11.4 mi

Investor Insight: With 16,887 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How strong are rents in Laguna Niguel, CA?

Rents in Laguna Niguel, CA run near $3,372/mo. Compared with median home prices of $1.5M that produces solid gross yields for typical rentals.

How much should I expect to pay for a home in Laguna Niguel, CA?

Median home price in Laguna Niguel, CA is near $1.5M, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.

What is the rental occupancy rate in Laguna Niguel, CA?

Vacancy risk in Laguna Niguel, CA is elevated. That supports stable cash flow for typical rental holds.

What type of investing works in Laguna Niguel, CA?

Laguna Niguel, CA investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($1.5M prices, $3,372/mo rents) make it a reasonable choice.

Is Laguna Niguel in CA worth investing in?

With a 3.0/5 investability score, Laguna Niguel, CA ranks as a solid market for rental property investors. Median prices of $1.5M and rents of $3,372/mo drive the underlying numbers.

You know 92677 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 92677 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 92677 ranks in Los Angeles-Long Beach-Anaheim, CA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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