Your Property Details
Laguna Beach, Orange County median: $2,850,000
Laguna Beach, Orange County Market Snapshot
- Conforming Limit
- $1,149,825
- 5-Year Appreciation
- 35.0%
- Avg Property Tax Rate
- 1.04%
- Est. Annual Tax
- $29,640
Your Equity Position
Current Equity
$1,140,000
Current LTV
60.0%
Maximum Cash-Out by LTV
Max New Loan
$2,280,000
Cash Available
$570,000
Max New Loan
$2,422,500
Cash Available
$712,500
Max New Loan
$2,565,000
Cash Available
$855,000
5-Year Projection for Laguna Beach, Orange County
Based on 35.0% historical appreciation in Laguna Beach, Orange County, California:
Projected Value (5yr)
$3,847,500
Projected Equity Gain
$997,500
Calculations are estimates for educational purposes only. Actual loan amounts depend on credit score, DTI ratio, property appraisal, and lender guidelines. Conforming loan limit for Laguna Beach, Orange County is $1,149,825 (2026 FHFA). Contact Mo Abdel at (949) 822-9662 for a personalized analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What is the 2026 conforming loan limit for Laguna Beach, California?
Laguna Beach is in Orange County, which has a 2026 FHFA conforming loan limit of $1,149,825. This limit applies to all cities within the county. Loans exceeding this amount require jumbo financing.
How much equity can I access through a cash-out refinance in Laguna Beach?
With Laguna Beach's median home value of $2,850,000, a homeowner with 40% equity could access approximately $570,000 at 80% LTV. Enter your actual home value and mortgage balance above for a personalized calculation.
What property tax rate applies in Laguna Beach, Orange County?
The average effective property tax rate in Laguna Beach is 1.04%. On a home valued at $2,850,000, that's approximately $29,640 per year. Property taxes are factored into your total PITI payment.
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