Laguna Woods, CA

Above Avg · 128

California · Population 17,342 · Updated March 2026

$2,232
Median Rent / Month
$60,235
Median Income
$364,900
Median Home Value
$1,395
Owner Costs / Month

Affordability

How far your income goes in Laguna Woods

44.5%
Rent-to-Income Ratio
Burdened
Rent takes more than 35% of median income — considered cost-burdened.

Tax Burden in California

State-level tax rates that affect your costs

13.3%
Income Tax (Top Rate)
7.25%
Sales Tax
0.71%
Property Tax Rate

Estimated Annual Costs

$26,784
Annual Rent
$8,011
State Income Tax
$2,591
Property Tax (est.)

Cost of Living Overview

Laguna Woods has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 128 (where 100 equals the national median), Laguna Woods residents can expect to pay median rent of $2,232/month while earning a median household income of $60,235/year.

The median home value in Laguna Woods, CA is $364,900, with typical monthly owner costs around $1,395 including mortgage, insurance, and taxes. The 44.5% rent-to-income ratio indicates significant housing cost burden. Residents spend well over a third of their income on rent alone.

California's top income tax rate of 13.3% is among the highest in the nation, adding to the overall cost burden. Combined with a 7.25% sales tax rate and 0.71% effective property tax rate, the overall tax environment is a factor in the total cost of living in Laguna Woods.

Frequently Asked Questions

Common questions about living costs in Laguna Woods

What is the cost of living in Laguna Woods, CA?
The cost of living index in Laguna Woods, CA is 128 (US average = 100). Median monthly rent is $2,232, median household income is $60,235/year, and the median home value is $364,900.
Is Laguna Woods, CA affordable?
No, Laguna Woods is more expensive than the national average with a cost index of 128. The rent-to-income ratio is 44.5%—above the 30%% affordability threshold.
What is the average rent in Laguna Woods, CA?
The median gross rent in Laguna Woods, CA is $2,232 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $26,784.
What is the median household income in Laguna Woods?
The median household income in Laguna Woods, CA is $60,235 per year. This compares to the national median of approximately $80,000.
What are the taxes like in California?
California has a top income tax rate of 13.3%, a sales tax of 7.25%, and an effective property tax rate of 0.71%.