Laguna Niguel, CA vs San Mateo, CA: Cost of Living

Which city costs less?

San Mateo, CA has a modeled overall cost index 8.6% lower than Laguna Niguel, CA.

Laguna Niguel, CA · modeled 2BR rent: $3,890 / month
San Mateo, CA · modeled 2BR rent: $4,480 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Laguna Niguel, CA and San Mateo, CA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Laguna Niguel, CA

Numbers update automatically as you type

Estimated savings: $151/month in San Mateo, CA

$150,000 in your current city has a modeled equivalent of $148,187 in San Mateo, CA

Regional cost estimates: Laguna Niguel, CA uses Irvine, CA. San Mateo, CA uses Oakland, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.6%

Less expensive

Monthly Impact

$151

Savings

Annual Impact

$1.8K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Laguna Niguel, CA

Population:63K

Cost Index:

174.8

100 = national average

Typical Home:$2.18M

San Mateo, CA

Population:101K

Cost Index:

159.7

100 = national average

Typical Home:$2.02M

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Laguna Niguel, CA

The Golden State

63K

Population

State Tax

Yes

Located in California, this city has a population of 63K residents.

San Mateo, CA

The Golden State

101K

Population

State Tax

Yes

Located in California, this city has a population of 101K residents.

Cost Breakdown by Category

Estimated monthly spending: Laguna Niguel, CA vs San Mateo, CA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Laguna Niguel, CA	San Mateo, CA	Difference	Change
Housing	$3,958/mo	$3,613/mo	↓ $345less	8.7%
Healthcare	$328/mo	$420/mo	↑ $92.55more	28.3%
Other	$1,006/mo	$1,097/mo	↑ $90.82more	9.0%
Groceries	$617/mo	$689/mo	↑ $72.13more	11.7%
All Utilities	$331/mo	$266/mo	↓ $64.56less	19.5%
Transportation	$1,260/mo	$1,263/mo	↑ $3.33more	0.3%

Housing

↓ 8.7%

Laguna Niguel, CA

$3,958

San Mateo, CA

$3,613

Difference

$345

less

Healthcare

↑ 28.3%

Laguna Niguel, CA

$328

San Mateo, CA

$420

Difference

$92.55

Other

↑ 9.0%

Laguna Niguel, CA

$1,006

San Mateo, CA

$1,097

Difference

$90.82

Groceries

↑ 11.7%

Laguna Niguel, CA

$617

San Mateo, CA

$689

Difference

$72.13

All Utilities

↓ 19.5%

Laguna Niguel, CA

$331

San Mateo, CA

$266

Difference

$64.56

less

Transportation

↑ 0.3%

Laguna Niguel, CA

$1,260

San Mateo, CA

$1,263

Difference

$3.33

🏠Rent Comparison

Studio

From$3,225

To$3,090

↓ $135

1 Bed

From$3,300

To$3,700

↑ $400

2 Bed

From$3,890

To$4,480

↑ $590

3 Bed

From$5,280

To$5,720

↑ $440

Laguna Niguel, CAZIP-level data

1BR range: $3,260–$3,340/mo

San Mateo, CAZIP-level data

1BR range: $3,670–$3,730/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Laguna Niguel, CA

$7,349

Monthly in San Mateo, CA

$151

Difference

Home Values

Laguna Niguel

San Mateo

$2.18M

Median Value

$2.02M

↑ +1.5%

YoY Change

↑ +1.8%

↑ +55.7%

5-Year Change

↑ +21%

$1.43M - $2.93M

Price Range

$1.73M - $2.32M

Homes in San Mateo are 7% less expensive than Laguna Niguel

Calculate payment - Laguna Niguel Calculate payment - San Mateo

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Laguna Niguel, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

San Mateo, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Additional Tax Information

Laguna Niguel, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

San Mateo, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Laguna Niguel

San Mateo

54 Moderate

Air Quality

49 Good

32.5%

Good Air Days

53%

100 Very High

Climate Risk

100 Very High

🔥🌊🌅

Top Hazards

🔥🌊🌅

▲+2.3°F

2050 Outlook

▲+1.9°F

5 days

Heat Days >95°F

2 days

▲+2.3°F

2050 Outlook

▲+1.9°F

5 days

Heat Days >95°F

2 days

Before moving from Laguna Niguel, CA to San Mateo, CA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in San Mateo, CA for the same bedroom count and included utilities as your home in Laguna Niguel, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Laguna Niguel to San Mateo moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to San Mateo, CA by cost, housing, population and region.

Frequently Asked Questions: Laguna Niguel, CA vs San Mateo, CA

How do the cost estimates for Laguna Niguel, CA and San Mateo, CA compare?

San Mateo, CA has a modeled overall cost index 8.6% lower than Laguna Niguel, CA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Laguna Niguel, CA, the model estimates $148,187 in San Mateo, CA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Laguna Niguel, CA and San Mateo, CA?

The modeled two-bedroom rents are $3,890/month in Laguna Niguel, CA and $4,480/month in San Mateo, CA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.