Overall 78%
Goods & Services 13%
Housing 230%
Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
IndexLaguna NiguelCaliforniaNational
Cost of living178141100
Goods & Services113111100
Health care105113100

Key findings

  • The cost of living in Laguna Niguel is 26% higher than the California average
  • The cost of living in Laguna Niguel is 78% higher than the national average
  • Laguna Niguel housing is 230% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 59% lower than the national average

Most Affordable Places to Live in and Around Laguna Niguel

See all the best places to live around Laguna Niguel

Compare Laguna Niguel, CA Cost of Living

      How would you rate the cost of living in Laguna Niguel?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Laguna Niguel?
      Write a review to give others more information about this area.
      See all Laguna Niguel poll results

      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Laguna Niguel, CA, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Laguna Niguel, homeowners have a median income of $119,908. Using that number, a maximum of $2,798 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $62,847, which means there is a maximum of $1,466 to be spent on the costs of renting a home or apartment.

      California Sales Tax

      StateGeneral Sales TaxWith Max Surtax

      California Income Tax

      StateIncome Tax (Low)Income Tax (High)

      Goods & Services

      ItemLaguna NiguelNational avg.Difference
      Haircut $22.60$18.6221.3%
      Beauty Salon $66.25$39.0569.7%
      Toothpaste $2.48$2.345.8%
      Shampoo $1.17$1.0610.7%
      Movie $14.48$10.6835.5%
      Bowling $24.56$14.6767.4%


      ItemLaguna NiguelNational avg.Difference
      Ground Beef $4.58$4.228.6%
      Fried Chicken $1.72$1.3923.9%
      Milk $2.19$2.056.9%
      Potatoes $2.99$3.299.1%
      Pizza $11.66$10.629.7%
      Beer $9.82$9.384.7%

      Health Care

      ItemLaguna NiguelNational avg.Difference
      Optometrist $106.53$108.571.9%
      Doctor $100.28$116.1713.7%
      Dentist $114.52$99.1315.5%
      Ibuprofen $11.90$9.6823.0%
      Lipitor $478.86$466.922.6%


      ItemLaguna NiguelNational avg.Difference
      Home Price $712,000.00$184,700.00285.5%
      Avg. Mortgage Payment $3,274.84$1,197.42173.5%
      Apartment Rent $1,908.00$949.00101.1%


      ItemLaguna NiguelNational avg.Difference
      Gasoline $3.32$2.2249.5%
      Tire Balancing $52.60$50.075.1%


      ItemLaguna NiguelNational avg.Difference
      All Electricity$138.70$167.6717.3%
      Phone $176.01$175.640.2%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City, StatePopulationCost of Living IndexNational Avg.
      Las Flores CDP (Tehama County), CA32411313%
      Laguna Woods, CA16,34712020%
      Santa Ana, CA333,60513535%
      Tustin, CA79,39615656%
      Lake Forest, CA80,65815858%
      Laguna Niguel, CA64,98417878%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Marysville, WA64,95511919%
      Delray Beach, FL65,0441099%
      San Clemente, CA65,08218686%
      Skokie, IL64,87311919%
      Youngstown, OH65,16181-19%
      Laguna Niguel, CA64,98417878%
      Source: The Laguna Niguel, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.