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City · 12,223 residents · East Baton Rouge Parish, Louisiana

Gardere , Louisiana

In Gardere, a typical home is worth $243,300 and typical rent is $1,157 a month. Compared with all of East Baton Rouge Parish, typical household income is 12% lower and the share of households that own their home is 16 points lower.

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  • Typical home value

    $243,300

    2% below the parish

    12% above Louisiana

    • Gardere
    • East Baton Rouge
    • Louisiana

  • Typical rent

    $1,157a month

    About the same as the parish

    9% above Louisiana

    • Gardere
    • East Baton Rouge
    • Louisiana

  • Typical household income

    $55,409a year

    12% below the parish

    9% below Louisiana

    • Gardere
    • East Baton Rouge
    • Louisiana

  • Households that own their home

    43%

    16 points below the parish

    24 points below Louisiana

    • Gardere
    • East Baton Rouge
    • Louisiana

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

Gardere is in East Baton Rouge 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 East Baton Rouge Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gardere apart

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

  1. Nearby, in Merrydale, the typical home value is $136,100: 44% less than in Gardere ($243,300).

  2. 43% of households in Gardere own their home, against 59% in East Baton Rouge Parish.

  3. Nearby, in Plaquemine, the typical rent is $880: 24% less than in Gardere ($1,157).

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

The homes here

Housing in Gardere

What homes there are in Gardere, 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 Gardere there is a bit of everything: no kind of home reaches half. The most common are detached houses (45%); in East Baton Rouge Parish, 62%.

Year built

Homes in Gardere are newer: the typical year built is 2001; in East Baton Rouge Parish, 1984.

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 100% of owner-occupied homes in Gardere are worth less than $500,000, below the FHA loan limit for East Baton Rouge Parish ($541,287).

Monthly rent with utilities

With a mortgage

$1,516 a month

East Baton Rouge Parish: $1,703 a month

Without a mortgage

$404 a month

East Baton Rouge Parish: $533 a month

Owners with a mortgage

68%

East Baton Rouge Parish: 61%

In Gardere, 68% of owners have a mortgage, and their typical cost is $1,516 a month, against $1,703 in East Baton Rouge Parish. Without one it drops to $404.

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 Gardere rose 44%; in East Baton Rouge Parish, it rose 28%.

Rents in Gardere rose faster than in East Baton Rouge Parish: 26% since 2015–2019, against 23%.

The typical household income in Gardere rose 41% over that time; home values changed +44% and rent +26%.

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

MeasureGardereEast Baton Rouge ParishLouisianaUnited States
Rental vacancy 10.2%11.1%7.8%5.5%
Homeowner vacancy Unreliable estimate1.6%1.3%0.9%
More than one person per room 6.3%2.4%2.3%3.4%
People per household 2.642.472.492.53
Drive alone 73%77%79%69%
Carpool 9%10%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 10%9%8%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in East Baton Rouge Parish, the rental vacancy rate in Gardere is 10.2%.

In Gardere, 6.3% of households live with more than one person per room, against 2.4% in East Baton Rouge Parish.

Households in Gardere are bigger: 2.64 people on average; in East Baton Rouge Parish, 2.47.

To get to work, 73% of workers in Gardere drive alone; in East Baton Rouge Parish, 77%.

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 Gardere?

A typical home costs more than the typical income allows

We start with a typical home in Gardere, worth $243,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Gardere, which is $55,409 a year. For that payment to be 28% of income, a household would need to earn about $84,136 a year.

The calculator's FHA and conventional loan limits are those of all of East Baton Rouge Parish.

Your numbers

Local data
$

Starts at the typical home value in Gardere. 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 $8,516 (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

$1,963

at 7.18% · 30 years

Loan amount
$238,893
Total interest
$343,711
Paid off in
November 2056

Includes $4,109 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,293 a month

  • Tight

    $1,293 to $1,662 a month

  • Hard

    more than $1,662 a month

    Your payment · 43%

Compared with the typical household income in Gardere ($55,409 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,963
Principal & interest$1,618
Property tax$136
Home insurance$101
FHA mortgage insurance (MIP)$108

You need at least $8,516 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

Gardere and East Baton Rouge Parish

Gardere is in East Baton Rouge 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).

Gardere's own numbers

Typical home value
$243,300
Typical monthly rent
$1,157
Typical yearly household income
$55,409
Households that own their home
43%
Effective property tax rate
0.67%

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

Numbers for all of East Baton Rouge 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)
+23%
Homes in a high flood-risk zone
19%

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 East Baton Rouge Parish.

Everything about East Baton Rouge Parish

Buying

Buying a home in Gardere

A typical home in Gardere is worth $243,300: 2% below the parish and 12% above Louisiana. With the typical household income in Gardere ($55,409 a year), a typical home costs 4.4 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.

  • Gardere 4.4 years
  • East Baton Rouge 3.9 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in East Baton Rouge Parish

According to FHFA’s house price index, home prices in East Baton Rouge Parish rose 42% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +2.9% +1.8% +2.9%
5 years (2020–2025) +23% +22% +47%
10 years (2015–2025) +42% +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

Gardere next to East Baton Rouge 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
  • Gardere $243,300
  • East Baton Rouge $248,800
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Gardere $1,157
  • East Baton Rouge $1,147
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Gardere $55,409
  • East Baton Rouge $63,071
  • Louisiana $60,756
  • United States $80,734
See the full table
Gardere next to East Baton Rouge Parish and Louisiana
Measure Gardere East Baton Rouge Parish Louisiana U.S.
Typical home value $243,300 $248,800 $216,500 $332,700
Typical monthly rent $1,157 $1,147 $1,064 $1,413
Typical yearly household income $55,409 $63,071 $60,756 $80,734
Households that own their home 43% 59% 67% 65%
Typical yearly property tax $1,620 $1,656 $1,180 $3,119
Effective property tax rate 0.67% 0.67% 0.55% 0.94%
Renters with high rent for their income 54% 57% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below East Baton Rouge 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 Gardere

For a typical $243,300 home in Gardere, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gardere's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,963a month

    Least cash to close
    Down payment
    $8,516
    Cash to close
    $15,815
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $1,919a month

    Down payment
    $12,165
    Cash to close
    $19,464
    Rate
    7.18%
    Mortgage insurance
    PMI · $116

  • Conventional, 20% down, no PMI $1,556a month

    Down payment
    $48,660
    Cash to close
    $55,959
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,781a month

    Down payment
    $36,495
    Cash to close
    $43,794
    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 Gardere and for East Baton Rouge Parish.

Property tax

Effective rate in Gardere

0.67%of the home’s value each year

$1,620 a year for the typical owner in Gardere.

  • Gardere 0.67%
  • East Baton Rouge 0.67%
  • 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 East Baton Rouge Parish

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

Homes in the high-risk zone
19%
28,633
Of those, with NFIP insurance
57%
Parish Louisiana U.S.
Homes in the high-risk zone 19% 15% 3.5%
Of those, with NFIP insurance 57% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gardere

Typical rent in Gardere is $1,157 a month: about the same as the parish. In Gardere, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of East Baton Rouge 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 East Baton Rouge 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 Gardere

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

For 2 bedrooms it runs from $1,090 in 70820 to $1,380 in 70810.

1 of the 2 is above the fair market rent for East Baton Rouge Parish ($1,149).

  • 70810 $1,380$1,750
  • 70820 $1,090$1,380

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gardere 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 Gardere

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.

There are 4 HUD-approved agencies with an office in East Baton Rouge Parish; 1 says it serves in Spanish.

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 Gardere

No down payment, repair or rent-help program on our list is for Gardere or East Baton Rouge Parish. The ones below are statewide in Louisiana: they work in Gardere 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 Gardere

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

  • Louisiana Housing Corporation

    2415 Quail Dr, Baton Rouge · 3 miles away

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

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

    10101 Siegen Ln Bldg 2 Ste B, Baton Rouge · 3 miles away · Spanish

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

  • Urban Restoration Enhancement Corporation

    7732 Goodwood Blvd, Baton Rouge · 6 miles away

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

Every agency in East Baton Rouge Parish All counseling agencies in Louisiana

Help in Spanish near Gardere

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 Gardere

In HUD’s record, no housing authority with an office in East Baton Rouge Parish is named for Gardere or East Baton Rouge Parish.

2 other authorities have an office in East Baton Rouge Parish: see the list Source: HUD

Cities

Other cities in East Baton Rouge Parish

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

Everything about East Baton Rouge Parish Housing in Louisiana

Nearby cities

The cities closest to Gardere, with the typical home value.

Neighboring counties

If East Baton Rouge 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 Gardere.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Gardere

Short answers with the numbers for Gardere and all of East Baton Rouge 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 Gardere?

The typical home value in Gardere is $243,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in East Baton Rouge Parish it is $248,800.

How much does it cost to rent in Gardere?

Typical rent in Gardere is $1,157 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in East Baton Rouge Parish is $1,149.

What is the FHA loan limit in Gardere?

Gardere uses the FHA limit for all of East Baton Rouge 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 Gardere?

The typical homeowner in Gardere pays $1,620 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in East Baton Rouge Parish, the rate is 0.67%.

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

There are 4 HUD-approved counseling agencies with an office in East Baton Rouge Parish. 1 says it serves in Spanish. 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).