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City · 6,310 residents · St. Tammany Parish, Louisiana

Lacombe , Louisiana

In Lacombe, a typical home is worth $207,900 and typical rent is $886 a month. Compared with all of St. Tammany Parish, typical rent is 33% lower, the typical home value is 27% lower, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $207,900

    27% below the parish

    4% below Louisiana

    • Lacombe
    • St. Tammany
    • Louisiana

  • Typical rent

    $886a month

    33% below the parish

    17% below Louisiana

    • Lacombe
    • St. Tammany
    • Louisiana

  • Typical household income

    $72,813a year

    10% below the parish

    20% above Louisiana

    • Lacombe
    • St. Tammany
    • Louisiana

  • Households that own their home

    91%

    12 points above the parish

    24 points above Louisiana

    • Lacombe
    • St. Tammany
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$218,034
1.5% more than 12 months ago

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

Lacombe is in St. Tammany 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 St. Tammany Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lacombe apart

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

  1. Lacombe has the 2nd highest homeownership rate of the 96 cities in Louisiana with more than 5,000 people (91%).

  2. The typical rent in Lacombe is $886 a month, 33% less than in St. Tammany Parish as a whole ($1,332).

  3. The typical home in Lacombe is worth $207,900, 27% less than in St. Tammany Parish as a whole ($284,000).

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

The homes here

Housing in Lacombe

What homes there are in Lacombe, 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 Lacombe, 8 in 10 homes are single-family detached houses, about the same as in St. Tammany Parish.

Mobile homes are 19% of homes in Lacombe, more than in St. Tammany Parish (7%).

Year built

The typical year built in Lacombe is 1997, about the same as in St. Tammany Parish (1995).

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

$1,358 a month

St. Tammany Parish: $1,813 a month

Without a mortgage

$522 a month

St. Tammany Parish: $611 a month

Owners with a mortgage

64%

St. Tammany Parish: 65%

In Lacombe, 64% of owners have a mortgage, and their typical cost is $1,358 a month, against $1,813 in St. Tammany Parish. Without one it drops to $522.

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 Lacombe did not change clearly: the difference is within the Census margin of error.

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

MeasureLacombeSt. Tammany ParishLouisianaUnited States
Rental vacancy Unreliable estimate6.6%7.8%5.5%
Homeowner vacancy Unreliable estimate1.1%1.3%0.9%
More than one person per room Unreliable estimate1.6%2.3%3.4%
People per household 2.392.572.492.53
Drive alone 85%77%79%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%13%8%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.39 on average, against 2.57 in St. Tammany Parish.

To get to work, 85% of workers in Lacombe drive alone; in St. Tammany 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 Lacombe?

A typical home is within reach of the typical income

We start with a typical home in Lacombe, worth $207,900, 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 Lacombe, which is $72,813 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lacombe. 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 $7,277 (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

$1,698

at 7.18% · 30 years

Loan amount
$204,134
Total interest
$293,701
Paid off in
November 2056

Includes $3,511 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,699 a month

    Your payment · 28%

  • Tight

    $1,699 to $2,184 a month

  • Hard

    more than $2,184 a month

Compared with the typical household income in Lacombe ($72,813 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,698
Principal & interest$1,383
Property tax$137
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,277 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

Lacombe and St. Tammany Parish

Lacombe is in St. Tammany 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).

Lacombe's own numbers

Typical home value
$207,900
Typical monthly rent
$886
Typical yearly household income
$72,813
Households that own their home
91%
Effective property tax rate
0.79%

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

Numbers for all of St. Tammany Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,354
Price change over 5 years (FHFA)
+31%

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 St. Tammany Parish.

Everything about St. Tammany Parish

Buying

Buying a home in Lacombe

A typical home in Lacombe is worth $207,900: 27% below the parish and 4% below Louisiana. With the typical household income in Lacombe ($72,813 a year), a typical home costs 2.9 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.

  • Lacombe 2.9 years
  • St. Tammany 3.5 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Tammany Parish

According to FHFA’s house price index, home prices in St. Tammany Parish rose 50% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +2.0% +1.8% +2.9%
5 years (2020–2025) +31% +22% +47%
10 years (2015–2025) +50% +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

Lacombe next to St. Tammany 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
  • Lacombe $207,900
  • St. Tammany $284,000
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Lacombe $886
  • St. Tammany $1,332
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Lacombe $72,813
  • St. Tammany $81,202
  • Louisiana $60,756
  • United States $80,734
See the full table
Lacombe next to St. Tammany Parish and Louisiana
Measure Lacombe St. Tammany Parish Louisiana U.S.
Typical home value $207,900 $284,000 $216,500 $332,700
Typical monthly rent $886 $1,332 $1,064 $1,413
Typical yearly household income $72,813 $81,202 $60,756 $80,734
Households that own their home 91% 79% 67% 65%
Typical yearly property tax $1,651 $2,028 $1,180 $3,119
Effective property tax rate 0.79% 0.71% 0.55% 0.94%

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

For a typical $207,900 home in Lacombe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lacombe's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,698a month

    Least cash to close
    Down payment
    $7,277
    Cash to close
    $13,514
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,660a month

    Down payment
    $10,395
    Cash to close
    $16,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,350a month

    Down payment
    $41,580
    Cash to close
    $47,817
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,542a month

    Down payment
    $31,185
    Cash to close
    $37,422
    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 Lacombe and for St. Tammany Parish.

Property tax

Effective rate in Lacombe

0.79%of the home’s value each year

$1,651 a year for the typical owner in Lacombe.

  • Lacombe 0.79%
  • St. Tammany 0.71%
  • 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 St. Tammany Parish

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

FEMA’s maps count no homes in the high-risk zone in St. Tammany 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 Lacombe

Typical rent in Lacombe is $886 a month: 33% below the parish.

HUD publishes a fair market rent for all of St. Tammany Parish, by unit size. To pay the 2-bedroom one ($1,354 a month) without spending more than 30% of your income, you would need to earn $26.04 an hour working full time.

HUD fair market rent for all of St. Tammany 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 $1,074 $20.65 $42,960
1 bedroom $1,164 $22.38 $46,560
2 bedrooms $1,354 $26.04 $54,160
3 bedrooms $1,745 $33.56 $69,800
4 bedrooms $1,997 $38.40 $79,880

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 Lacombe

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lacombe is in ZIP code 70445.

For 2 bedrooms it is $1,210: $144 less than the fair market rent for St. Tammany Parish ($1,354).

  • 70445 $1,210$1,560

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

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 St. Tammany Parish; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Lacombe

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

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

  • Habitat for Humanity ST. Tammany West

    1400 North Ln, Mandeville · 10 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (985) 888-1214

  • NSC (naca Counseling Subsidiary) - New Orleans, LA

    10555 Lake Forest Blvd Ste 3J, New Orleans · 20 miles away · Spanish

    (504) 241-2090

  • Desire Community Housing Corporation

    3831 Hamburg St, New Orleans · 24 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (504) 905-1425

Every agency in St. Tammany Parish All counseling agencies in Louisiana

Help in Spanish near Lacombe

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 Lacombe

In HUD’s record, no housing authority with an office in St. Tammany Parish is named for Lacombe or St. Tammany Parish.

2 other authorities have an office in St. Tammany Parish: see the list Source: HUD

Cities

Other cities in St. Tammany Parish

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

Everything about St. Tammany Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If St. Tammany 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 Lacombe.

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 Lacombe

Short answers with the numbers for Lacombe and all of St. Tammany 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 Lacombe?

The typical home value in Lacombe is $207,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Tammany Parish it is $284,000.

How much does it cost to rent in Lacombe?

Typical rent in Lacombe is $886 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Tammany Parish is $1,354.

What is the FHA loan limit in Lacombe?

Lacombe uses the FHA limit for all of St. Tammany 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 Lacombe?

The typical homeowner in Lacombe pays $1,651 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in St. Tammany Parish, the rate is 0.71%.

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

There is 1 HUD-approved counseling agency with an office in St. Tammany 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).