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City · 5,398 residents · Lafourche Parish, Louisiana

Cut Off , Louisiana

In Cut Off, a typical home is worth $158,300 and typical rent is $828 a month. Compared with all of Lafourche Parish, the typical home value is 18% lower and typical rent is 11% lower.

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  • Typical home value

    $158,300

    18% below the parish

    27% below Louisiana

    • Cut Off
    • Lafourche
    • Louisiana

  • Typical rent

    $828a month

    11% below the parish

    22% below Louisiana

    • Cut Off
    • Lafourche
    • Louisiana

  • Typical household income

    $67,941a year

    8% above the parish

    12% above Louisiana

    • Cut Off
    • Lafourche
    • Louisiana

  • Households that own their home

    78%

    2 points below the parish

    10 points above Louisiana

    • Cut Off
    • Lafourche
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$126,528
0.5% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cut Off 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 Cut Off apart

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

  1. Nearby, in Raceland, the typical rent is $629: 24% less than in Cut Off ($828).

  2. Nearby, in Galliano, the typical home value is $134,200: 15% less than in Cut Off ($158,300).

  3. The typical home in Cut Off is worth $158,300, 18% less than in Lafourche Parish as a whole ($193,900).

  4. Cut Off has the 8th smallest share of rent-burdened renters of the 83 cities in Louisiana with more than 5,000 people (42%).

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

The homes here

Housing in Cut Off

What homes there are in Cut Off, 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 the most common home in Cut Off: 75% of homes, near the figure in Lafourche Parish (72%).

In Cut Off there are many mobile homes: 22% of homes; in Lafourche Parish, 17%.

Year built

Homes in Cut Off are older: the typical year built is 1977; in Lafourche Parish, 1982.

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 Lafourche Parish is high ($541,287): at least 97% of owner-occupied homes in Cut Off are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,159 a month

Lafourche Parish: $1,508 a month

Without a mortgage

$372 a month

Lafourche Parish: $400 a month

Owners with a mortgage

37%

Lafourche Parish: 45%

The typical cost for an owner with a mortgage in Cut Off is $1,159 a month, less than in Lafourche Parish ($1,508); without one, $372.

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 Cut Off stayed about the same since 2015–2019: the Census sees no clear change.

Since 2015–2019, the typical rent in Cut Off did not change clearly, according to the Census.

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

MeasureCut OffLafourche 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 2.482.482.492.53
Drive alone 88%81%79%69%
Carpool 9%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%8%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Cut Off has 2.48 people on average, about the same as in Lafourche Parish (2.48).

To get to work, 88% of workers in Cut Off drive alone; in Lafourche Parish, 81%.

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 Cut Off?

A typical home is within reach of the typical income

We start with a typical home in Cut Off, worth $158,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Cut Off, which is $67,941 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 Cut Off. 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 $5,541 (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

$1,222

at 7.18% · 30 years

Loan amount
$155,432
Total interest
$223,631
Paid off in
November 2056

Includes $2,673 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,585 a month

    Your payment · 22%

  • Tight

    $1,585 to $2,038 a month

  • Hard

    more than $2,038 a month

Compared with the typical household income in Cut Off ($67,941 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,222
Principal & interest$1,053
Property tax$33
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,541 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

Cut Off and Lafourche Parish

Cut Off 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).

Cut Off's own numbers

Typical home value
$158,300
Typical monthly rent
$828
Typical yearly household income
$67,941
Households that own their home
78%
Effective property tax rate
0.25%

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 Cut Off

A typical home in Cut Off is worth $158,300: 18% below the parish and 27% below Louisiana. With the typical household income in Cut Off ($67,941 a year), a typical home costs 2.3 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.

  • Cut Off 2.3 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

Cut Off 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
  • Cut Off $158,300
  • Lafourche $193,900
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Cut Off $828
  • Lafourche $928
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Cut Off $67,941
  • Lafourche $63,135
  • Louisiana $60,756
  • United States $80,734
See the full table
Cut Off next to Lafourche Parish and Louisiana
Measure Cut Off Lafourche Parish Louisiana U.S.
Typical home value $158,300 $193,900 $216,500 $332,700
Typical monthly rent $828 $928 $1,064 $1,413
Typical yearly household income $67,941 $63,135 $60,756 $80,734
Households that own their home 78% 80% 67% 65%
Typical yearly property tax $393 $1,038 $1,180 $3,119
Effective property tax rate 0.25% 0.54% 0.55% 0.94%
Renters with high rent for their income 42% 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 Cut Off

For a typical $158,300 home in Cut Off, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cut Off's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,222a month

    Least cash to close
    Down payment
    $5,541
    Cash to close
    $10,290
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,193a month

    Down payment
    $7,915
    Cash to close
    $12,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $957a month

    Down payment
    $31,660
    Cash to close
    $36,409
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,103a month

    Down payment
    $23,745
    Cash to close
    $28,494
    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 Cut Off and for Lafourche Parish.

Property tax

Effective rate in Cut Off

0.25%of the home’s value each year

$393 a year for the typical owner in Cut Off.

  • Cut Off 0.25%
  • 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 Cut Off

Typical rent in Cut Off is $828 a month: 11% below the parish. In Cut Off, 42% 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 Cut Off

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cut Off is in ZIP code 70345.

For 2 bedrooms it is $1,000: $98 less than the fair market rent for Lafourche Parish ($1,098).

  • 70345 $1,000$1,200

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cut Off 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?

Low-income apartments

Low-income apartments in Cut Off

HUD lists one building with rents for lower incomes in Cut Off.

  • Tarpon Heights Apts La Highway 1, Cut Off 70354 48 homes · 1 bd: 8 · 2 bd: 8 · In service since 1991

See all 13 buildings in Lafourche Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cut Off

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 grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Cut Off

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

The HUD-approved agencies closest to the center of Cut Off, 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 · 32 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 · 33 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 · 34 miles away

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

All counseling agencies in Louisiana

Help in Spanish near Cut Off

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 Cut Off

HUD’s record names them for Cut Off 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 Cut Off, 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 Cut Off.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Cut Off

Short answers with the numbers for Cut Off 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 Cut Off?

The typical home value in Cut Off is $158,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lafourche Parish it is $193,900.

How much does it cost to rent in Cut Off?

Typical rent in Cut Off is $828 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lafourche Parish is $1,098.

What is the FHA loan limit in Cut Off?

Cut Off 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 Cut Off?

The typical homeowner in Cut Off pays $393 a year, according to the U.S. Census Bureau. That is 0.25% of the home’s value; in Lafourche Parish, the rate is 0.54%.

Where can I find free help to buy or rent in Cut Off?

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).