Market Overview
Home Prices in Mount Laguna, CA
The median home value in Mount Laguna, CA is $282,914 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 12.4% compared to a year ago and down 10.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mount Laguna are priced31% below average. Mount Laguna is part of the San Diego-Chula Vista-Carlsbad, CA metro area.
Price History
Mount Laguna Home Price Trend
2022
$389,526
$390K
—
2023
$405,162
$405K
+4.0%
2024
$362,526
$363K
-10.5%
2025
$323,113
$323K
-10.9%
2026
$282,914
$283K
-12.4%
City Comparison
Mount Laguna vs. National Median
🏠 Mount Laguna
$282,914
National Median
$410,000
At $282,914, homes in Mount Laguna cost 31% below the national median of $410,000. This makes Mount Laguna a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mount Laguna?
20% Down Payment
$56,583
on $282,914
Monthly P&I
$1,476/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,875/mo
incl. taxes & insurance
Income Needed
$75,000
gross annual (30% rule)
10% Down Option
$28,291
+ PMI applies
Loan Amount (20% dn)
$226,331
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Mount Laguna, CA?
The median home value in Mount Laguna is $282,914 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 12.4% year-over-year.
How much have home prices changed in Mount Laguna?
Over the past year, home values in Mount Laguna have decreased by 12.4%.
How much do I need to earn to buy a home in Mount Laguna?
To comfortably afford the median home price of $282,914 with a 20% down payment ($56,583) at today's rates (6.8%), you'd need a gross annual income of approximately $75,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Mount Laguna compare to the national average home price?
The national median home value is approximately $410,000. At $282,914, homes in Mount Laguna are 31% below the national average.
What metro area is Mount Laguna part of?
Mount Laguna is part of the San Diego-Chula Vista-Carlsbad, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.