Laguna Beach Home Equity 2025: Why You’re Still Ahead in Today’s Market

There has been plenty of buzz about cooling home prices, but if you own property in Laguna Beach, your equity story is still a strong one. Even as the market shifts toward balance, most homeowners here continue to enjoy significant gains that reflect years of appreciation and lasting demand for coastal living.

Quick Take: You’re Still in a Strong Equity Position

Yes, prices in some Southern California areas have leveled off slightly, but that follows historic growth between 2020 and 2022, when Laguna Beach home values rose by more than 35%, according to data from CoreLogic and the California Association of Realtors (CAR).

While appreciation has moderated, it has not reversed its course. Most homeowners who bought before or during that period still hold substantial equity, far more than they had just five years ago.

Even with the market’s cooler pace, your property’s long-term value remains well above pre-pandemic levels.

How Home Equity Works in Your Favor

Home equity is the difference between what your home is worth and what you still owe on your mortgage. As property values climbed in recent years, that gap widened dramatically. Now, even in a stabilizing market, those gains remain built into your home’s value.

Think of it like hiking to a higher elevation. Even if the climb slows, you are still standing far above where you started.

Smart Ways to Use Your Equity

Your home equity is not just a number. It is a resource you can strategically put to work.

• Move Up or Invest: Use your equity to purchase a larger home or an investment property.
  
  

• Downsize with Comfort: Transition into a new home with a smaller or no mortgage balance.
  
  

• Renovate for Return: Invest in upgrades that enhance your lifestyle and boost your property's resale value.
  
  

• Build a Financial Cushion: Access your equity when needed for significant life events or emergencies.
  
  

Even if prices remain steady through 2025, most Laguna Beach homeowners are well-positioned for long-term financial security, thanks to the gains made in the past.

A Balanced Market Is a Healthy Market

After years of record-breaking competition, the housing market is finally finding its rhythm. That is good news for everyone.

Economists from Realtor.com’s November 2025 report note that the slight national cooling signals a shift toward sustainable growth, rather than a decline. Locally, Laguna Beach continues to benefit from high demand, limited inventory, and premium lifestyle appeal, all of which keep values resilient.

Why Laguna Beach Real Estate Stays Strong

Laguna Beach remains one of the most desirable coastal markets in California. Its limited land, architectural diversity, and unmatched ocean views create a unique level of stability.

Even with modest short-term price adjustments, the long-term fundamentals here remain exceptional. Homeowners who purchased between 2018 and 2022 have seen average equity gains of $400,000 to $600,000, based on CoreLogic and CAR data.

As I often remind my clients, equity tells a story. It reflects smart decisions, good timing, and the lasting value of owning in one of the world’s most sought-after zip codes.

Curious About Your Home’s Current Equity?

Knowing exactly where you stand helps you make informed choices about refinancing, remodeling, or preparing for your next move.

Here is how to get started:

• Schedule a professional equity review: I can help you determine your property’s actual market value.
  
  

• Compare nearby sales: I will share recent Laguna Beach comps and exclusive off-market data.
  
  

• Plan your next step: From upgrading to cashing out strategically, your equity can open new doors.
  
  

Let’s Unlock What Your Equity Can Do

Kelly Perkins
Compass Laguna Beach
Professional | Persistent | Passionate 
949.310.3754
[email protected]
DRE# 01991628