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State

Data from November 2026

Housing , home prices, rents and assistance in Louisiana (2026)

A typical home in Louisiana is worth $216,500; the typical rent is $1,064 a month. The FHA limit for a one-unit home is $541,287 in every one of its parishes. 26 HUD-approved counseling agencies serve Louisiana; 5 say they serve you in Spanish.

Most populous:

Typical home value by parish

  • Under $112,500
  • $112,500–$143,300
  • $143,300–$175,700
  • $175,700–$227,200
  • $227,200 or more

Tap the map to see each parish’s figure and open its page.

Typical home value
$216,500
35% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,064
25% less than the U.S.
U.S.: $1,413
Typical household income
$60,756
25% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287
It is the same across Louisiana.
U.S.: $541,287 to $1,299,500
Property tax
0.55%
of value a year
The typical bill is $1,180 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Louisiana

A typical home in Louisiana is worth $216,500, 35% less than in the country overall. Across its 64 parishes, the typical value runs from $77,300 in St. Helena Parish to $315,700 in Orleans Parish. A typical household earns $60,756 a year and pays $1,064 a month in rent; 55% of renters put 30% or more of their income toward housing. 67% of households live in a home they own; they pay a typical property tax of $1,180 a year, about 0.55% of value.

The conforming loan limit for a one-unit home is $832,750 across Louisiana. To pay HUD’s fair rent for a 2-bedroom apartment in Louisiana ($1,161) without spending more than 30% of income, you need about $22.33 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Louisiana

More on property tax

  • Homestead exemption: $7,500 of assessed value

    If you own (alone or with others) the home you live in, that home (homestead) is exempt from state, parish and special property taxes up to $7,500 of assessed value. The homestead can be up to 160 acres. The exemption also covers your primary residence, including a mobile home, even if you do not own the land; in that case, the land is not exempt.

    Louisiana State Legislature (Louisiana Constitution) · Verified October 24, 2026

  • Qualifying date: own and live in the home by December 31

    To get the homestead exemption for a year, you must own and live in the home on or before December 31 of that same year. It does not matter whether the home had the exemption on January 1 of that year.

    Louisiana State Legislature (Louisiana Revised Statutes) · Verified October 24, 2026

  • Reviewing and contesting your home's assessment

    Outside Orleans Parish, each year the assessor's assessment lists are open for review for 15 days, in a period that starts no earlier than August 15 and ends no later than September 15. Then the board of review holds public hearings for anyone who wants to contest an assessment. If you disagree with the board's decision, you can appeal to the Louisiana Tax Commission.

    Louisiana State Legislature (Louisiana Revised Statutes) · Verified October 24, 2026

  • Assessment freeze for owners 65 and older and people with disabilities

    If your home has the homestead exemption and you own and live in it, its assessment does not rise above the assessment for the first year you receive this benefit (special assessment level), as long as you still qualify. Those who qualify are people 65 or older; people with a service-connected disability rating of 50 percent or more from the U.S. Department of Veterans Affairs; members of the U.S. armed forces or the Louisiana National Guard who owned and last lived in the home and who are killed in action, missing in action or prisoners of war for more than 90 days; and people who are permanently and totally disabled as determined by a final court judgment or by a state or federal agency. The other requirements of that section of the constitution also apply.

    Louisiana State Legislature (Louisiana Constitution) · Verified October 24, 2026

  • The constitution bars new taxes on the sale or transfer of real estate

    The Louisiana Constitution says that after November 30, 2011, neither the state nor political subdivisions may levy a new tax or fee on the sale or transfer of real estate, including documentary transaction taxes or fees (on documents that convey real estate). Fees for recording, filing or keeping those documents, impact fees for development, annual parcel fees and property taxes do not count as taxes on the sale or transfer.

    Louisiana State Legislature (Louisiana Constitution) · Verified October 24, 2026

The homes here

Housing in Louisiana

What homes there are in Louisiana, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Louisiana: 65% of homes, more than in the U.S. (61%).

Mobile homes are 13% of homes in Louisiana, more than in the U.S. (6%).

Year built

In Louisiana, half of the homes were built before 1983; in the U.S., before 1980.

Homes in Louisiana are bigger: 66% have 3 bedrooms or more; in the U.S., 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Louisiana is between $100K and $200K: that is where 25% of owner-occupied homes sit.

Monthly rent with utilities

The most common rent in Louisiana is between $1,000 and $1,499 a month: that is where 36% of rented homes sit.

With a mortgage

$1,604 a month

United States: $1,963 a month

Without a mortgage

$442 a month

United States: $638 a month

Owners with a mortgage

52%

United States: 61%

In Louisiana, 52% of owners have a mortgage, and their typical cost is $1,604 a month, against $1,963 in the U.S.. Without one it drops to $442.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Louisiana rose 33% since 2015–2019, less than in the U.S. (53%).

Rents in Louisiana rose more slowly than in the U.S.: 23% since 2015–2019, against 33%.

The typical household income in Louisiana rose 23% over that time; home values changed +33% and rent +23%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLouisianaUnited States
Rental vacancy 7.8%5.5%
Homeowner vacancy 1.3%0.9%
More than one person per room 2.3%3.4%
People per household 2.492.53
Drive alone 79%69%
Carpool 9%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 8%15%
Other means 2%2%
Typical commute 20 to 29 minutes20 to 29 minutes

There is more rental housing open in Louisiana: 7.8% is empty and offered for rent, against 5.5% in the U.S..

Fewer households are short on space in Louisiana: 2.3% have more than one person per room; in the U.S., 3.4%.

By size, households in Louisiana look like those in the U.S.: 2.49 people on average.

In Louisiana, 79% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the parishes in Louisiana

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the parishes page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Louisiana

Start from the typical home value in Louisiana, $216,500, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Louisiana

$
%

Estimated monthly payment

$1,725

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Louisiana rose 38% in the 10 years through 2025.

Price change each year

Period Louisiana United States
In 2025 +1.8% +2.9%
5 years (2020–2025) +22% +47%
10 years (2015–2025) +38% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Louisiana were 12% lower than the U.S. average. Housing rents were 37% lower than nationwide.

Category Louisiana United States Versus the U.S.
All prices Consumer goods and services 88.2 100.0 12% less
Housing rents What renters pay 63.1 100.6 37% less
Water, power and gas Water, sewer, electricity and gas 71.5 98.4 27% less
Goods Food, clothing, transportation and more 93.7 99.6 6% less
Other services Services other than rent 95.7 100.1 4% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Louisiana 15% of homes (249,660) are in a high-risk flood zone. Of those homes, 73% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Louisiana United States
Homes in a high-risk zone 15% 3.5%
Of those, with NFIP insurance 73% 48%
All homes with NFIP insurance 22% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Louisiana

The 14 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (82)

    Help to buy

    Assistance programs in Louisiana

    Our list has 2 official programs that help you buy in Louisiana. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. HomeStart Assist

      Louisiana state corporation 30-year mortgage for first-time buyers with 4% of the loan in assistance, as a 0% second mortgage forgiven after 60 months. Offered by Louisiana Housing Corporation (LHC).

      Forgivable Verified November 5, 2026

    2. HomeStart Advantage

      Louisiana state corporation 30-year mortgage with 4% of the loan in assistance, as a 0% second mortgage forgiven after 60 months; you do not need to be a first-time buyer, but you cannot own another home at closing. Offered by Louisiana Housing Corporation (LHC).

      Forgivable Verified November 5, 2026

    Tenant rights

    Tenant rights in Louisiana

    Louisiana law answers 2 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Data not available

    2. When must they return my deposit?

      The landlord must return your deposit within one month after the lease ends. The landlord may keep what is reasonably needed to cover your default or unreasonable wear. If any part is kept, the landlord must send you an itemized list with the reasons within that month or in the 15 days after it. The law says the tenant gives the landlord a forwarding address when the lease ends, so the list can be sent there.

      La. R.S. 9:3251(A)

    3. If I fall behind on rent, what notice must I get?

      In Louisiana, the notice is a notice to vacate, not a notice to pay. When your right to live in the home ends, for example for not paying rent or because the lease ran out, the landlord must have a written notice to vacate delivered to you. It gives you at least 5 days from delivery. If your written lease says you waive this notice, the landlord may start the eviction in court right away.

      La. Code Civ. Proc. art. 4701

    4. How much notice ends a month-to-month rental?

      Data not available

    5. Are there limits on late fees?

      Data not available

    Three generations of a family gather on the porch of their home.

    Help and advice

    Who can help you in Louisiana?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    26 HUD-approved counseling agencies serve Louisiana; 5 say they serve you in Spanish. Choose your parish to see the closest ones with their phone number.

    153 public housing authorities run Section 8 vouchers and public housing in Louisiana.

    See all 26 agencies See the housing agencies

    Who runs the help in Louisiana

    • Louisiana Housing Corporation (LHC)

      The Louisiana Housing Corporation (LHC) says it works with lenders, Realtors and counselors to offer down payment assistance, low-interest loans, tax credits and financial training to make homeownership a reality.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Louisiana

    • Where to file a housing discrimination complaint

      Louisiana law (the Louisiana Equal Housing Opportunity Act) and the federal Fair Housing Act prohibit, among other things, refusing to sell or rent housing to you because of your race, color, national origin, religion, sex, familial status (families with children under 18, or expecting a child) or disability. The Louisiana Office of the Attorney General (Louisiana Department of Justice) takes discrimination complaints about real estate, mortgages and lending, and rental housing of any type (apartments, rental homes and trailer parks). If the office cannot handle your complaint, it forwards it to the appropriate agency.

      Louisiana Office of the Attorney General (Louisiana Department of Justice) · Verified October 24, 2026

    • Help with homeowners insurance complaints

      The Louisiana Department of Insurance (LDI) helps with complaints about all types of insurance, including homeowners insurance: sales and policyholder services, premium rates and refunds, non-renewals and cancellations, claim delays, denials or unsatisfactory settlements, and other insurance disputes. The easiest way to file a complaint is online at www.ldi.la.gov.

      Louisiana Department of Insurance (LDI) · Verified October 24, 2026

    • Louisiana Citizens: insurer of last resort for homes

      Louisiana Citizens Property Insurance Corporation (Louisiana Citizens) is the insurance of last resort. It is a nonprofit created to insure residential and commercial property applicants who are in good faith entitled to insurance but cannot get it in the voluntary (private) market. By state mandate, its coverage costs more than private property insurance.

      Louisiana Citizens Property Insurance Corporation · Verified October 24, 2026

    Guides

    Guides for you in Louisiana

    We picked them with the numbers of Louisiana. Each one says why it can help you.

    Frequently asked questions about housing in Louisiana

    What is the FHA limit in Louisiana in 2026?

    In Louisiana, the FHA limit for a one-unit home is $541,287 in every one of its parishes.

    How much does a typical home cost in Louisiana?

    The typical home value in Louisiana is $216,500 (Average 2020–2024, U.S. Census). The highest is in Orleans Parish ($315,700) and the lowest in St. Helena Parish ($77,300).

    How much does it cost to rent in Louisiana?

    The typical rent in Louisiana is $1,064 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Louisiana?

    At HUD's average fair market rent in Louisiana ($1,161, Fiscal year 2027), about $22.33 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Louisiana?

    The typical property tax in Louisiana is $1,180 a year, about 0.55% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Louisiana?

    There are 26 HUD-approved counseling agencies in Louisiana; 5 say they serve you in Spanish. Each parish page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).