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City · 21,253 residents · Terrebonne Parish, Louisiana

Bayou Cane , Louisiana

In Bayou Cane, a typical home is worth $188,700 and typical rent is $1,101 a month. Compared with all of Terrebonne Parish, typical household income is 15% higher and the share of households that own their home is 14 points lower.

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  • Typical home value

    $188,700

    About the same as the parish

    13% below Louisiana

    • Bayou Cane
    • Terrebonne
    • Louisiana

  • Typical rent

    $1,101a month

    3% above the parish

    3% above Louisiana

    • Bayou Cane
    • Terrebonne
    • Louisiana

  • Typical household income

    $74,350a year

    15% above the parish

    22% above Louisiana

    • Bayou Cane
    • Terrebonne
    • Louisiana

  • Households that own their home

    62%

    14 points below the parish

    6 points below Louisiana

    • Bayou Cane
    • Terrebonne
    • Louisiana

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

Bayou Cane is in Terrebonne 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 Terrebonne Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bayou Cane apart

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

  1. Bayou Cane has the 2nd smallest share of rent-burdened renters of the 83 cities in Louisiana with more than 5,000 people (24%).

  2. Nearby, in Raceland, the typical rent is $629: 43% less than in Bayou Cane ($1,101).

  3. Nearby, in Gray, the typical home value is $139,400: 26% less than in Bayou Cane ($188,700).

  4. 62% of households in Bayou Cane own their home, against 75% in Terrebonne Parish.

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

The homes here

Housing in Bayou Cane

What homes there are in Bayou Cane, 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 Cane, but it weighs less than in Terrebonne Parish: 58% against 71%.

Year built

In Bayou Cane, half of the homes were built before 1982; in Terrebonne Parish, before 1983.

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 FHA limit for Terrebonne Parish is high ($541,287): at least 99% of owner-occupied homes in Bayou Cane are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,448 a month

Terrebonne Parish: $1,547 a month

Without a mortgage

$428 a month

Terrebonne Parish: $406 a month

Owners with a mortgage

66%

Terrebonne Parish: 49%

The typical cost for an owner with a mortgage in Bayou Cane is $1,448 a month, less than in Terrebonne Parish ($1,547); without one, $428.

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

From 2015–2019 to 2020–2024, the typical home value in Bayou Cane rose 15%; in Terrebonne Parish, it rose 23%.

The typical rent in Bayou Cane rose 15% over the same time; in Terrebonne Parish, it rose 25%.

The typical household income in Bayou Cane rose 39%: more than home values (+15%) and rent (+15%).

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 CaneTerrebonne ParishLouisianaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.9%2.3%3.4%
People per household 2.532.492.492.53
Drive alone 86%84%79%69%
Carpool 8%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate3%8%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Bayou Cane look like those in Terrebonne Parish: 2.53 people on average.

The car rules in Bayou Cane: 86% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Cane?

A typical home is within reach of the typical income

We start with a typical home in Bayou Cane, worth $188,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Bayou Cane, which is $74,350 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bayou Cane. 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 $6,605 (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

$1,474

at 7.18% · 30 years

Loan amount
$185,282
Total interest
$266,577
Paid off in
November 2056

Includes $3,187 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,735 a month

    Your payment · 24%

  • Tight

    $1,735 to $2,231 a month

  • Hard

    more than $2,231 a month

Compared with the typical household income in Bayou Cane ($74,350 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,474
Principal & interest$1,255
Property tax$57
Home insurance$79
FHA mortgage insurance (MIP)$83

You need at least $6,605 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 Cane and Terrebonne Parish

Bayou Cane is in Terrebonne 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 Cane's own numbers

Typical home value
$188,700
Typical monthly rent
$1,101
Typical yearly household income
$74,350
Households that own their home
62%
Effective property tax rate
0.36%

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

Numbers for all of Terrebonne 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)
+13%

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 Terrebonne Parish.

Everything about Terrebonne Parish

Buying

Buying a home in Bayou Cane

A typical home in Bayou Cane is worth $188,700: about the same as the parish and 13% below Louisiana. With the typical household income in Bayou Cane ($74,350 a year), a typical home costs 2.5 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 Cane 2.5 years
  • Terrebonne 2.9 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Terrebonne Parish

According to FHFA’s house price index, home prices in Terrebonne Parish rose 20% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +0.6% +1.8% +2.9%
5 years (2020–2025) +13% +22% +47%
10 years (2015–2025) +20% +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 Cane next to Terrebonne 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 Cane $188,700
  • Terrebonne $187,200
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Bayou Cane $1,101
  • Terrebonne $1,065
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Bayou Cane $74,350
  • Terrebonne $64,836
  • Louisiana $60,756
  • United States $80,734
See the full table
Bayou Cane next to Terrebonne Parish and Louisiana
Measure Bayou Cane Terrebonne Parish Louisiana U.S.
Typical home value $188,700 $187,200 $216,500 $332,700
Typical monthly rent $1,101 $1,065 $1,064 $1,413
Typical yearly household income $74,350 $64,836 $60,756 $80,734
Households that own their home 62% 75% 67% 65%
Typical yearly property tax $679 $836 $1,180 $3,119
Effective property tax rate 0.36% 0.45% 0.55% 0.94%
Renters with high rent for their income 24% 39% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Terrebonne 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 Cane

For a typical $188,700 home in Bayou Cane, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bayou Cane's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,474a month

    Least cash to close
    Down payment
    $6,605
    Cash to close
    $12,266
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,439a month

    Down payment
    $9,435
    Cash to close
    $15,096
    Rate
    7.18%
    Mortgage insurance
    PMI · $90

  • Conventional, 20% down, no PMI $1,158a month

    Down payment
    $37,740
    Cash to close
    $43,401
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,332a month

    Down payment
    $28,305
    Cash to close
    $33,966
    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 Cane and for Terrebonne Parish.

Property tax

Effective rate in Bayou Cane

0.36%of the home’s value each year

$679 a year for the typical owner in Bayou Cane.

  • Bayou Cane 0.36%
  • Terrebonne 0.45%
  • 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 Terrebonne Parish

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

FEMA’s maps count no homes in the high-risk zone in Terrebonne 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 Cane

Typical rent in Bayou Cane is $1,101 a month: 3% above the parish. In Bayou Cane, 24% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Terrebonne 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 Terrebonne 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 Cane

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

For 2 bedrooms it runs from $1,130 in 70364 to $1,190 in 70360.

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

  • 70360 $1,190$1,450
  • 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 Cane 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 Cane

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 Terrebonne Parish. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Bayou Cane

No down payment, repair or rent-help program on our list is for Bayou Cane or Terrebonne Parish. The ones below are statewide in Louisiana: they work in Bayou Cane 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 Cane

The HUD-approved agencies closest to the center of Bayou Cane, 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 · 41 miles away

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

  • Integrity Homebuyer Association, Incorporated

    2107 S Burnside Ave Ste 5, Gonzales · 42 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (225) 644-6705

  • New Orleans Neighborhood Development Foundation

    1429 S Rampart St, New Orleans · 46 miles away

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

All counseling agencies in Louisiana

Help in Spanish near Bayou Cane

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 Cane

In HUD’s record, no housing authority with an office in Terrebonne Parish is named for Bayou Cane or Terrebonne Parish.

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

Cities

Other cities in Terrebonne Parish

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

Everything about Terrebonne Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If Terrebonne 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 Cane.

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 Cane

Short answers with the numbers for Bayou Cane and all of Terrebonne 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 Cane?

The typical home value in Bayou Cane is $188,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Terrebonne Parish it is $187,200.

How much does it cost to rent in Bayou Cane?

Typical rent in Bayou Cane is $1,101 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Terrebonne Parish is $1,098.

What is the FHA loan limit in Bayou Cane?

Bayou Cane uses the FHA limit for all of Terrebonne 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 Cane?

The typical homeowner in Bayou Cane pays $679 a year, according to the U.S. Census Bureau. That is 0.36% of the home’s value; in Terrebonne Parish, the rate is 0.45%.

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

We found no HUD-approved counseling agencies with an office in Terrebonne 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).