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City · 9,323 residents · Livingston Parish, Louisiana

Denham Springs , Louisiana

In Denham Springs, a typical home is worth $188,200 and typical rent is $1,014 a month. Compared with all of Livingston Parish, the typical home value is 18% lower, typical rent is 12% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $188,200

    18% below the parish

    13% below Louisiana

    • Denham Springs
    • Livingston
    • Louisiana

  • Typical rent

    $1,014a month

    12% below the parish

    5% below Louisiana

    • Denham Springs
    • Livingston
    • Louisiana

  • Typical household income

    $71,569a year

    11% below the parish

    18% above Louisiana

    • Denham Springs
    • Livingston
    • Louisiana

  • Households that own their home

    74%

    7 points below the parish

    7 points above Louisiana

    • Denham Springs
    • Livingston
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$255,090
3.6% more than 12 months ago
Typical rent
$1,564 a month
4.8% more than 12 months ago

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

Denham Springs is in Livingston 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 Livingston Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Denham Springs apart

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

  1. Denham Springs has the 3rd smallest share of rent-burdened renters of the 83 cities in Louisiana with more than 5,000 people (34%).

  2. Nearby, in Merrydale, the typical home value is $136,100: 28% less than in Denham Springs ($188,200).

  3. The typical home in Denham Springs is worth $188,200, 18% less than in Livingston Parish as a whole ($230,600).

  4. 74% of households in Denham Springs own their home, against 81% in Livingston Parish.

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

The homes here

Housing in Denham Springs

What homes there are in Denham Springs, 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

In Denham Springs, 8 in 10 homes are single-family detached houses; in Livingston Parish, 7.

Year built

In Denham Springs, half of the homes were built before 1980; in Livingston Parish, before 2002.

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
Monthly rent with utilities

With a mortgage

$1,462 a month

Livingston Parish: $1,616 a month

Without a mortgage

$433 a month

Livingston Parish: $404 a month

Owners with a mortgage

46%

Livingston Parish: 58%

The typical cost for an owner with a mortgage in Denham Springs is $1,462 a month, less than in Livingston Parish ($1,616); without one, $433.

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 Denham Springs rose 17%; in Livingston Parish, it rose 38%.

Rent in Denham Springs moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureDenham SpringsLivingston ParishLouisianaUnited States
Rental vacancy Unreliable estimate8.8%7.8%5.5%
Homeowner vacancy Unreliable estimate1.4%1.3%0.9%
More than one person per room Unreliable estimate3.0%2.3%3.4%
People per household 2.282.742.492.53
Drive alone 80%83%79%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 6%7%8%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Denham Springs are smaller: 2.28 people on average; in Livingston Parish, 2.74.

In Denham Springs, 80% of workers drive alone to work; in Livingston Parish, 83%.

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 Denham Springs?

A typical home is within reach of the typical income

We start with a typical home in Denham Springs, worth $188,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Denham Springs, which is $71,569 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Denham Springs. 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 $6,587 (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

$1,473

at 7.18% · 30 years

Loan amount
$184,791
Total interest
$265,871
Paid off in
November 2056

Includes $3,178 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,670 a month

    Your payment · 25%

  • Tight

    $1,670 to $2,147 a month

  • Hard

    more than $2,147 a month

Compared with the typical household income in Denham Springs ($71,569 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,473
Principal & interest$1,252
Property tax$60
Home insurance$78
FHA mortgage insurance (MIP)$83

You need at least $6,587 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

Denham Springs and Livingston Parish

Denham Springs is in Livingston 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).

Denham Springs's own numbers

Typical home value
$188,200
Typical monthly rent
$1,014
Typical yearly household income
$71,569
Households that own their home
74%
Effective property tax rate
0.38%

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

Numbers for all of Livingston Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,149
Price change over 5 years (FHFA)
+29%
Homes in a high flood-risk zone
49%

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 Livingston Parish.

Everything about Livingston Parish

Buying

Buying a home in Denham Springs

A typical home in Denham Springs is worth $188,200: 18% below the parish and 13% below Louisiana. With the typical household income in Denham Springs ($71,569 a year), a typical home costs 2.6 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.

  • Denham Springs 2.6 years
  • Livingston 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 Livingston Parish

According to FHFA’s house price index, home prices in Livingston Parish rose 47% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +2.8% +1.8% +2.9%
5 years (2020–2025) +29% +22% +47%
10 years (2015–2025) +47% +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

Denham Springs next to Livingston 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
  • Denham Springs $188,200
  • Livingston $230,600
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Denham Springs $1,014
  • Livingston $1,151
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Denham Springs $71,569
  • Livingston $80,122
  • Louisiana $60,756
  • United States $80,734
See the full table
Denham Springs next to Livingston Parish and Louisiana
Measure Denham Springs Livingston Parish Louisiana U.S.
Typical home value $188,200 $230,600 $216,500 $332,700
Typical monthly rent $1,014 $1,151 $1,064 $1,413
Typical yearly household income $71,569 $80,122 $60,756 $80,734
Households that own their home 74% 81% 67% 65%
Typical yearly property tax $713 $1,066 $1,180 $3,119
Effective property tax rate 0.38% 0.46% 0.55% 0.94%
Renters with high rent for their income 34% 48% 55% 51%

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

For a typical $188,200 home in Denham Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Denham Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,473a month

    Least cash to close
    Down payment
    $6,587
    Cash to close
    $12,233
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

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

    Down payment
    $9,410
    Cash to close
    $15,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

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

    Down payment
    $37,640
    Cash to close
    $43,286
    Rate
    7.18%
    Mortgage insurance
    None

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

    Down payment
    $28,230
    Cash to close
    $33,876
    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 Denham Springs and for Livingston Parish.

Property tax

Effective rate in Denham Springs

0.38%of the home’s value each year

$713 a year for the typical owner in Denham Springs.

  • Denham Springs 0.38%
  • Livingston 0.46%
  • 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 Livingston Parish

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

Homes in the high-risk zone
49%
25,438
Of those, with NFIP insurance
39%
Parish Louisiana U.S.
Homes in the high-risk zone 49% 15% 3.5%
Of those, with NFIP insurance 39% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Denham Springs

Typical rent in Denham Springs is $1,014 a month: 12% below the parish. In Denham Springs, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Livingston Parish, by unit size. To pay the 2-bedroom one ($1,149 a month) without spending more than 30% of your income, you would need to earn $22.10 an hour working full time.

HUD fair market rent for all of Livingston 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 $992 $19.08 $39,680
1 bedroom $1,014 $19.50 $40,560
2 bedrooms $1,149 $22.10 $45,960
3 bedrooms $1,456 $28.00 $58,240
4 bedrooms $1,842 $35.42 $73,680

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 Denham Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Denham Springs is in ZIP code 70726.

For 2 bedrooms it is $1,210: $61 more than the fair market rent for Livingston Parish ($1,149).

  • 70726 $1,210$1,530

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

HUD lists 8 buildings with rents for lower incomes in Denham Springs. These are the largest.

  • The Crossings Apartments 10888 Buddy Ellis Rd, Denham Springs 70726 136 low-income homes · 3 bd: 8 · In service since 2007
  • Unnamed 600 Eugene St, Denham Springs 70726 52 low-income homes · Run by Housing Authority of the City of Denham Springs (225) 664-3301
  • Livingston Manor Apts 8045 Vincent Rd, Denham Springs 70726 45 low-income homes · For people with disabilities (225) 243-4344
  • Ashley Place II 500 Fred Banks Dr, Denham Springs 70726 36 low-income homes · 3 bd: 2 · In service since 2008
  • Ashley Place III 500 Fred Banks Dr, Denham Springs 70726 28 low-income homes · 2 bd: 2 · In service since 2008

See all 14 buildings in Livingston Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Denham Springs

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Denham Springs

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

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

  • Urban Restoration Enhancement Corporation

    7732 Goodwood Blvd, Baton Rouge · 9 miles away

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    225-356-8871-210

  • NSC (naca Counseling Subsidiary) - Baton Rouge, LA

    10101 Siegen Ln Bldg 2 Ste B, Baton Rouge · 11 miles away · Spanish

    • Budget and financial counseling
    • Workshops for new owners
    • and 2 more
    (225) 767-9224

  • Louisiana Housing Corporation

    2415 Quail Dr, Baton Rouge · 11 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (225) 763-8654

All counseling agencies in Louisiana

Help in Spanish near Denham Springs

1 of the 3 agencies on this list says it serves 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 Denham Springs

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

  • Housing Authority of the City of Denham Springs Public housing and Section 8 vouchers (225) 664-3301

All housing agencies in Louisiana Source: HUD

Cities

Other cities in Livingston Parish

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

Everything about Livingston Parish Housing in Louisiana

Nearby cities

The cities closest to Denham Springs, with the typical home value.

Neighboring counties

If Livingston 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 Denham Springs.

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 Denham Springs

Short answers with the numbers for Denham Springs and all of Livingston 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 Denham Springs?

The typical home value in Denham Springs is $188,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Livingston Parish it is $230,600.

How much does it cost to rent in Denham Springs?

Typical rent in Denham Springs is $1,014 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Livingston Parish is $1,149.

What is the FHA loan limit in Denham Springs?

Denham Springs uses the FHA limit for all of Livingston 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 Denham Springs?

The typical homeowner in Denham Springs pays $713 a year, according to the U.S. Census Bureau. That is 0.38% of the home’s value; in Livingston Parish, the rate is 0.46%.

Where can I find free help to buy or rent in Denham Springs?

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