How much do homeowners pay a month in Laguna Beach, FL?

Name: Homeowner costs in Laguna Beach, FL, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Laguna Beach, FL pay a median of $1,635 (±$180) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $748 (±$279).

56.5% of owned homes carry a mortgage.

In Laguna Beach, the median monthly cost with a mortgage went from $1,401 in 2015–2019 to $1,635 in 2020–2024 (+16.7%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,635 (±$180)
Without a mortgage: $748 (±$279)
Owned with a mortgage: 56.5%

Monthly owner costs in Laguna Beach

Median selected monthly owner costs, estimate (90% margin of error)
	Laguna Beach	Bay County	Florida	United States
With a mortgage	$1,635 (±$180)	$1,778 (±$44)	$1,959 (±$5)	$1,963
Without a mortgage	$748 (±$279)	$555 (±$22)	$673 (±$3)	$638
Owned homes with a mortgage	56.5% (±9.9 points)	56.8% (±1.8 points)	56.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,358 (±$196)	$1,807 (±$76)	$2,730 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Laguna Beach, the median cost with a mortgage is not measurably different from Bay County ($1,778).

It is also lower than in Florida ($1,959).

It is lower than the national figure ($1,963).

In Bay County, Laguna Beach ranks 8 of 12 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 534 of 830.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Laguna Beach have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,401 (±$105)	$1,635 (±$180)	+16.7%	No measurable change after inflation
Median real estate taxes	$1,293 (±$172)	$2,358 (±$196)	+82.4%	Up after inflation
Median home value	$237,000 (±$19,762)	$438,100 (±$45,138)	+84.9%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Laguna Beach

Nearest places with a published estimate, compared with Laguna Beach
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Laguna Beach	—	$1,635 (±$180)	—
Panama City Beach	4.7 mi	$2,186 (±$135)	Higher
Upper Grand Lagoon	13 mi	$1,917 (±$138)	Higher
Lower Grand Lagoon	14 mi	$2,112 (±$188)	Higher
Pretty Bayou	16 mi	$1,843 (±$151)	Not measurably different
Panama City	18 mi	$1,782 (±$92)	Not measurably different
Lynn Haven	19 mi	$1,861 (±$119)	Higher
Cedar Grove	20 mi	$1,321 (±$268)	Not measurably different
Freeport	20 mi	$2,071 (±$192)	Higher

Nearby places with a measurably higher figure: Panama City Beach, FL ($2,186), Upper Grand Lagoon, FL ($1,917), Lower Grand Lagoon, FL ($2,112).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Bay County, place by place

Rank	Place	Median monthly cost with a mortgage
2	Lower Grand Lagoon	$2,112 (±$188)
3	Mexico Beach	$2,091 (±$483)
4	Upper Grand Lagoon	$1,917 (±$138)
5	Lynn Haven	$1,861 (±$119)
6	Pretty Bayou	$1,843 (±$151)
7	Panama City	$1,782 (±$92)
8	Laguna Beach	$1,635 (±$180)
9	Callaway	$1,596 (±$86)
10	Springfield	$1,554 (±$255)
11	Parker	$1,534 (±$237)
12	Cedar Grove	$1,321 (±$268)

Showing 11 of 12 places in Bay County, ranked from highest to lowest.

Laguna Beach is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Laguna Beach

What is the average mortgage payment in Laguna Beach?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Laguna Beach, FL is $1,635 (±$180) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Laguna Beach?

Owners without a mortgage in Laguna Beach pay a median of $748 (±$279) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Laguna Beach gone up?

In Laguna Beach, the median monthly cost with a mortgage went from $1,401 in 2015–2019 to $1,635 in 2020–2024 (+16.7%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Laguna Beach CDP, Florida (place:37500, in state:12).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.