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City · 12,218 residents · Lafourche Parish, Louisiana

Bayou Blue , Louisiana

In Bayou Blue, a typical home is worth $189,100. Compared with all of Lafourche Parish, the share of households that own their home is 10 points higher.

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  • Typical home value

    $189,100

    2% below the parish

    13% below Louisiana

    • Bayou Blue
    • Lafourche
    • Louisiana

  • Typical household income

    $63,958a year

    About the same as the parish

    5% above Louisiana

    • Bayou Blue
    • Lafourche
    • Louisiana

  • Households that own their home

    90%

    10 points above the parish

    22 points above Louisiana

    • Bayou Blue
    • Lafourche
    • Louisiana

Source: U.S. Census Bureau, Average 2020–2024

Bayou Blue is in Lafourche Parish. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lafourche Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bayou Blue apart

What this place has that others do not, from public data, most unusual first.

  1. Bayou Blue has the 4th highest homeownership rate of the 96 cities in Louisiana with more than 5,000 people (90%).

  2. Nearby, in Gray, the typical home value is $139,400: 26% less than in Bayou Blue ($189,100).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bayou Blue

What homes there are in Bayou Blue, 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 is still the most common home in Bayou Blue, but it weighs less than in Lafourche Parish: 64% against 72%.

There are more mobile homes here than in Lafourche Parish: 34% of homes, against 17%.

Year built

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

At least 96% of owner-occupied homes in Bayou Blue are worth less than $500,000, below the FHA loan limit for Lafourche Parish ($541,287).

Monthly rent with utilities

With a mortgage

$1,478 a month

Lafourche Parish: $1,508 a month

Without a mortgage

$398 a month

Lafourche Parish: $400 a month

Owners with a mortgage

46%

Lafourche Parish: 45%

In Bayou Blue, 46% of owners have a mortgage; their typical cost is $1,478 a month, about the same as in Lafourche Parish.

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

Much as in Lafourche Parish, the typical home value in Bayou Blue rose 21% since 2015–2019.

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

MeasureBayou BlueLafourche ParishLouisianaUnited States
Rental vacancy Unreliable estimate7.3%7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.9%2.3%3.4%
People per household 2.872.482.492.53
Drive alone 79%81%79%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%5%8%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Bayou Blue are bigger: 2.87 people on average; in Lafourche Parish, 2.48.

Working from home is more common in Bayou Blue: 9%, against 5% in Lafourche Parish.

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

Do the math

What would you pay each month for a home in Bayou Blue?

A typical home is tight for the typical income

We start with a typical home in Bayou Blue, worth $189,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Bayou Blue, which is $63,958 a year. For that payment to be 28% of income, a household would need to earn about $64,515 a year.

The calculator's FHA and conventional loan limits are those of all of Lafourche Parish.

Your numbers

Local data
$

Starts at the typical home value in Bayou Blue. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,619 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,505

at 7.18% · 30 years

Loan amount
$185,674
Total interest
$267,142
Paid off in
November 2056

Includes $3,193 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,492 a month

  • Tight

    $1,492 to $1,919 a month

    Your payment · 28%

  • Hard

    more than $1,919 a month

Compared with the typical household income in Bayou Blue ($63,958 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,505
Principal & interest$1,258
Property tax$85
Home insurance$79
FHA mortgage insurance (MIP)$84

You need at least $6,619 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bayou Blue and Lafourche Parish

Bayou Blue is in Lafourche Parish, Louisiana. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bayou Blue's own numbers

Typical home value
$189,100
Typical yearly household income
$63,958
Households that own their home
90%
Effective property tax rate
0.54%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lafourche Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,098
Price change over 5 years (FHFA)
+21%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lafourche Parish.

Everything about Lafourche Parish

Buying

Buying a home in Bayou Blue

A typical home in Bayou Blue is worth $189,100: 2% below the parish and 13% below Louisiana. With the typical household income in Bayou Blue ($63,958 a year), a typical home costs 3.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bayou Blue 3.0 years
  • Lafourche 3.1 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lafourche Parish

According to FHFA’s house price index, home prices in Lafourche Parish rose 28% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lafourche Parish.

Period Parish Louisiana U.S.
Last year (2025) +0.3% +1.8% +2.9%
5 years (2020–2025) +21% +22% +47%
10 years (2015–2025) +28% +38% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bayou Blue next to Lafourche Parish, Louisiana and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bayou Blue $189,100
  • Lafourche $193,900
  • Louisiana $216,500
  • United States $332,700
Typical yearly household income
  • Bayou Blue $63,958
  • Lafourche $63,135
  • Louisiana $60,756
  • United States $80,734
See the full table
Bayou Blue next to Lafourche Parish and Louisiana
Measure Bayou Blue Lafourche Parish Louisiana U.S.
Typical home value $189,100 $193,900 $216,500 $332,700
Typical yearly household income $63,958 $63,135 $60,756 $80,734
Households that own their home 90% 80% 67% 65%
Typical yearly property tax $1,012 $1,038 $1,180 $3,119
Effective property tax rate 0.54% 0.54% 0.55% 0.94%
Renters with high rent for their income 60% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lafourche Parish. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bayou Blue

For a typical $189,100 home in Bayou Blue, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bayou Blue's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,505a month

    Least cash to close
    Down payment
    $6,619
    Cash to close
    $12,292
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,471a month

    Down payment
    $9,455
    Cash to close
    $15,128
    Rate
    7.18%
    Mortgage insurance
    PMI · $90

  • Conventional, 20% down, no PMI $1,189a month

    Down payment
    $37,820
    Cash to close
    $43,493
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,364a month

    Down payment
    $28,365
    Cash to close
    $34,038
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bayou Blue and for Lafourche Parish.

Property tax

Effective rate in Bayou Blue

0.54%of the home’s value each year

$1,012 a year for the typical owner in Bayou Blue.

  • Bayou Blue 0.54%
  • Lafourche 0.54%
  • Louisiana 0.55%

What Louisiana publishes Homestead exemption: $7,500 of assessed value (Louisiana State Legislature (Louisiana Constitution))

Exemptions and deadlines in Louisiana

Flood risk in Lafourche Parish

FEMA does not publish these numbers by city: they are for all of Lafourche Parish.

FEMA’s maps count no homes in the high-risk zone in Lafourche Parish. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bayou Blue

The Census Bureau publishes no typical rent for Bayou Blue. Below are the fair market rents for Lafourche Parish. In Bayou Blue, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lafourche Parish, by unit size. To pay the 2-bedroom one ($1,098 a month) without spending more than 30% of your income, you would need to earn $21.12 an hour working full time.

HUD fair market rent for all of Lafourche Parish

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $765 $14.71 $30,600
1 bedroom $903 $17.37 $36,120
2 bedrooms $1,098 $21.12 $43,920
3 bedrooms $1,335 $25.67 $53,400
4 bedrooms $1,443 $27.75 $57,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bayou Blue

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bayou Blue has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,130 in 70364 to $1,240 in 70359.

2 of the 2 are above the fair market rent for Lafourche Parish ($1,098).

  • 70359 $1,240$1,510
  • 70364 $1,130$1,370

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bayou Blue when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bayou Blue

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Lafourche Parish. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Bayou Blue

No down payment, repair or rent-help program on our list is for Bayou Blue or Lafourche Parish. The ones below are statewide in Louisiana: they work in Bayou Blue the same as in the rest of the state.

Which programs do I qualify for? All programs in Louisiana

  • HomeStart Assist

    Statewide in Louisiana

    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

    See the program Official page

  • HomeStart Advantage

    Statewide in Louisiana

    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

    See the program Official page

Housing counselors near Bayou Blue

The HUD-approved agencies closest to the center of Bayou Blue, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Jefferson Community Action Programs

    1221 Elmwood Park Blvd, New Orleans · 37 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (504) 736-6900

  • New Orleans Neighborhood Development Foundation

    1429 S Rampart St, New Orleans · 41 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (504) 488-0155

  • Louisiana Fair Housing Action Center, Inc.

    1340 Poydras St, New Orleans · 42 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    (504) 596-2100

All counseling agencies in Louisiana

Help in Spanish near Bayou Blue

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bayou Blue

HUD’s record names them for Bayou Blue or Lafourche Parish. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Lafourche Parish: see the list Source: HUD

Cities

Other cities in Lafourche Parish

These cities are also in Lafourche Parish. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lafourche Parish Housing in Louisiana

Nearby cities

The cities closest to Bayou Blue, with the typical home value.

Neighboring counties

If Lafourche Parish is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bayou Blue.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Bayou Blue

Short answers with the numbers for Bayou Blue and all of Lafourche Parish. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bayou Blue?

The typical home value in Bayou Blue is $189,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lafourche Parish it is $193,900.

What is the FHA loan limit in Bayou Blue?

Bayou Blue uses the FHA limit for all of Lafourche Parish (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Bayou Blue?

The typical homeowner in Bayou Blue pays $1,012 a year, according to the U.S. Census Bureau. That is 0.54% of the home’s value; in Lafourche Parish, the rate is 0.54%.

Where can I find free help to buy or rent in Bayou Blue?

We found no HUD-approved counseling agencies with an office in Lafourche Parish; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).