| Index | Laguna Hills | California | National |
| Cost of living | 189 | 141 | 100 |
| Groceries | 109 | 111 | 100 |
| Health care | 114 | 116 | 100 |
| Housing | 363 | 197 | 100 |
| Transportation | 115 | 118 | 100 |
| Utilities | 116 | 119 | 100 |
| Lifestyle & Entertainment | 119 | 120 | 100 |
| Household Items | 109 | 111 | 100 |
| Education & Childcare | 126 | 127 | 100 |
Understanding the cost of living in Laguna Hills can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Laguna Hills cost of living index is 189, which is 89% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
If affordability is among your top priorities when searching for a new place to live, this area may not be the ideal fit, as the cost of living in Laguna Hills is among the most expensive in the United States. Just a minority of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Laguna Hills falls into this category, which may not align with your goal of finding a budget-friendly living environment.
Housing costs significantly influence the Laguna Hills cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 263%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.
Is Laguna Hills an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Laguna Hills is 320.7% higher than the national average, while the average monthly rent prices are 128.5% higher than average. The affordability of any location can also be influenced by median income levels. Laguna Hills has a median household income of $155,572, which is 91.3% higher than the national average.
Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Laguna Hills, healthcare costs are 13.6% higher than the national average.
Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Laguna Hills, the transportation index stands at 15.2% higher than the national average.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Laguna Hills, the housing index is 263% higher than the national average.
The Laguna Hills cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $181,399 | $15,117 | $4,232 | $5,443 |
| Renters | $111,698 | $9,308 | $2,606 | $3,351 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Las Flores CDP (Tehama County), CA | 335 | 116 | 16.5% |
| Laguna Woods, CA | 16,656 | 135 | 34.5% |
| Temescal Valley, CA | 29,022 | 158 | 58.0% |
| Santa Ana, CA | 345,160 | 161 | 60.9% |
| Garden Grove, CA | 176,551 | 165 | 65.4% |
| Laguna Hills, CA | 32,468 | 189 | 89.1% |
| City | Population | Cost of Living Index | National Avg. |
| Shawnee, OK | 32,488 | 87 | 12.6% |
| Orcutt, CA | 32,432 | 149 | 49.2% |
| West Falls Church, VA | 32,420 | 155 | 55.2% |
| North Cowichan, BC | 32,420 | n/a | |
| Mundelein, IL | 32,418 | 111 | 10.5% |
| Laguna Hills, CA | 32,468 | 189 | 89.1% |
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