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City · 13,108 residents · Ascension Parish, Louisiana

Gonzales , Louisiana

In Gonzales, a typical home is worth $225,800 and typical rent is $1,497 a month. Compared with all of Ascension Parish, the typical home value is 19% lower, typical household income is 18% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $225,800

    19% below the parish

    4% above Louisiana

    • Gonzales
    • Ascension
    • Louisiana

  • Typical rent

    $1,497a month

    14% above the parish

    41% above Louisiana

    • Gonzales
    • Ascension
    • Louisiana

  • Typical household income

    $75,451a year

    18% below the parish

    24% above Louisiana

    • Gonzales
    • Ascension
    • Louisiana

  • Households that own their home

    64%

    17 points below the parish

    4 points below Louisiana

    • Gonzales
    • Ascension
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$292,997
3.4% more than 12 months ago
Typical rent
$1,527 a month
0.7% more than 12 months ago

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

Gonzales is in Ascension 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 Ascension Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gonzales apart

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

  1. Nearby, in Donaldsonville, the typical rent is $827: 45% less than in Gonzales ($1,497).

  2. 64% of households in Gonzales own their home, against 81% in Ascension Parish.

  3. Gonzales has the 5th smallest share of rent-burdened renters of the 83 cities in Louisiana with more than 5,000 people (39%).

  4. Gonzales has the 6th highest typical rent of the 92 cities in Louisiana with more than 5,000 people ($1,497).

  5. Nearby, in Donaldsonville, the typical home value is $185,900: 18% less than in Gonzales ($225,800).

  6. The typical home in Gonzales is worth $225,800, 19% less than in Ascension Parish as a whole ($279,600).

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

The homes here

Housing in Gonzales

What homes there are in Gonzales, 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 Gonzales, but it weighs less than in Ascension Parish: 66% against 74%.

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
Monthly rent with utilities

With a mortgage

$1,444 a month

Ascension Parish: $1,802 a month

Without a mortgage

$417 a month

Ascension Parish: $438 a month

Owners with a mortgage

63%

Ascension Parish: 65%

In Gonzales, 63% of owners have a mortgage, and their typical cost is $1,444 a month, against $1,802 in Ascension Parish. Without one it drops to $417.

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

Since 2015–2019, homes in Gonzales gained value faster than in Ascension Parish: 40% against 35%.

Rents in Gonzales rose faster than in Ascension Parish: 53% since 2015–2019, against 34%.

The typical household income in Gonzales rose 43% over that time; home values changed +40% and rent +53%.

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

MeasureGonzalesAscension ParishLouisianaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.8%5.5%
Homeowner vacancy Unreliable estimate1.9%1.3%0.9%
More than one person per room Unreliable estimate1.6%2.3%3.4%
People per household 2.332.722.492.53
Drive alone 71%82%79%69%
Carpool 19%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 8%9%8%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Gonzales has 2.33 people, fewer than in Ascension Parish (2.72).

In Gonzales, 19% of workers share a car to get to work; in Ascension Parish, 8%.

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 Gonzales?

A typical home is tight for the typical income

We start with a typical home in Gonzales, worth $225,800, 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 Gonzales, which is $75,451 a year. For that payment to be 28% of income, a household would need to earn about $75,907 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gonzales. 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 $7,903 (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

$1,771

at 7.18% · 30 years

Loan amount
$221,710
Total interest
$318,989
Paid off in
November 2056

Includes $3,813 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,761 a month

  • Tight

    $1,761 to $2,264 a month

    Your payment · 28%

  • Hard

    more than $2,264 a month

Compared with the typical household income in Gonzales ($75,451 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,771
Principal & interest$1,502
Property tax$75
Home insurance$94
FHA mortgage insurance (MIP)$100

You need at least $7,903 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

Gonzales and Ascension Parish

Gonzales is in Ascension 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).

Gonzales's own numbers

Typical home value
$225,800
Typical monthly rent
$1,497
Typical yearly household income
$75,451
Households that own their home
64%
Effective property tax rate
0.4%

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

Numbers for all of Ascension 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)
+31%
Homes in a high flood-risk zone
34%

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 Ascension Parish.

Everything about Ascension Parish

Buying

Buying a home in Gonzales

A typical home in Gonzales is worth $225,800: 19% below the parish and 4% above Louisiana. With the typical household income in Gonzales ($75,451 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.

  • Gonzales 3.0 years
  • Ascension 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 Ascension Parish

According to FHFA’s house price index, home prices in Ascension Parish rose 49% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +3.7% +1.8% +2.9%
5 years (2020–2025) +31% +22% +47%
10 years (2015–2025) +49% +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

Gonzales next to Ascension 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
  • Gonzales $225,800
  • Ascension $279,600
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Gonzales $1,497
  • Ascension $1,318
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Gonzales $75,451
  • Ascension $91,549
  • Louisiana $60,756
  • United States $80,734
See the full table
Gonzales next to Ascension Parish and Louisiana
Measure Gonzales Ascension Parish Louisiana U.S.
Typical home value $225,800 $279,600 $216,500 $332,700
Typical monthly rent $1,497 $1,318 $1,064 $1,413
Typical yearly household income $75,451 $91,549 $60,756 $80,734
Households that own their home 64% 81% 67% 65%
Typical yearly property tax $907 $1,519 $1,180 $3,119
Effective property tax rate 0.4% 0.54% 0.55% 0.94%
Renters with high rent for their income 39% 51% 55% 51%

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

For a typical $225,800 home in Gonzales, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gonzales's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,771a month

    Least cash to close
    Down payment
    $7,903
    Cash to close
    $14,677
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $100

  • Conventional, 5% down $1,730a month

    Down payment
    $11,290
    Cash to close
    $18,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $107

  • Conventional, 20% down, no PMI $1,393a month

    Down payment
    $45,160
    Cash to close
    $51,934
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,602a month

    Down payment
    $33,870
    Cash to close
    $40,644
    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 Gonzales and for Ascension Parish.

Property tax

Effective rate in Gonzales

0.4%of the home’s value each year

$907 a year for the typical owner in Gonzales.

  • Gonzales 0.4%
  • Ascension 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 Ascension Parish

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

Homes in the high-risk zone
34%
15,398
Of those, with NFIP insurance
45%
Parish Louisiana U.S.
Homes in the high-risk zone 34% 15% 3.5%
Of those, with NFIP insurance 45% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gonzales

Typical rent in Gonzales is $1,497 a month: 14% above the parish. In Gonzales, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ascension 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 Ascension 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 Gonzales

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gonzales is in ZIP code 70737.

For 2 bedrooms it is $1,520: $371 more than the fair market rent for Ascension Parish ($1,149).

  • 70737 $1,520$1,930

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

HUD lists 2 buildings with rents for lower incomes in Gonzales. These are the largest.

  • Magnolia Crossing 2824 S Burnside Ave, Gonzales 70737 104 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 40 · 4 bd: 8 · In service since 1999 · For families
  • Gonzales Plaza 2138 S Commerce Ave, Gonzales 70737 32 homes · 2 bd: 8 · In service since 2000

See all 11 buildings in Ascension Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gonzales

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 is 1 HUD-approved agency with an office in Ascension Parish; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Gonzales

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

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

  • Integrity Homebuyer Association, Incorporated

    2107 S Burnside Ave Ste 5, Gonzales · 0 miles away

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

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

    10101 Siegen Ln Bldg 2 Ste B, Baton Rouge · 14 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 · 18 miles away

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

Every agency in Ascension Parish All counseling agencies in Louisiana

Help in Spanish near Gonzales

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 Gonzales

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

  • Ascension Parish Section 8 Program Section 8 vouchers (225) 344-7187

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

Cities

Other cities in Ascension Parish

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

Everything about Ascension Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If Ascension 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 Gonzales.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Gonzales

Short answers with the numbers for Gonzales and all of Ascension 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 Gonzales?

The typical home value in Gonzales is $225,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ascension Parish it is $279,600.

How much does it cost to rent in Gonzales?

Typical rent in Gonzales is $1,497 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ascension Parish is $1,149.

What is the FHA loan limit in Gonzales?

Gonzales uses the FHA limit for all of Ascension 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 Gonzales?

The typical homeowner in Gonzales pays $907 a year, according to the U.S. Census Bureau. That is 0.4% of the home’s value; in Ascension Parish, the rate is 0.54%.

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

There is 1 HUD-approved counseling agency with an office in Ascension Parish. 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).