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City · 28,343 residents · St. John the Baptist Parish, Louisiana

Laplace , Louisiana

In Laplace, a typical home is worth $199,900 and typical rent is $1,351 a month. Home values, rent and income are very close to those of all of St. John the Baptist Parish.

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  • Typical home value

    $199,900

    3% above the parish

    8% below Louisiana

    • Laplace
    • St. John the Baptist
    • Louisiana

  • Typical rent

    $1,351a month

    About the same as the parish

    27% above Louisiana

    • Laplace
    • St. John the Baptist
    • Louisiana

  • Typical household income

    $69,030a year

    4% above the parish

    14% above Louisiana

    • Laplace
    • St. John the Baptist
    • Louisiana

  • Households that own their home

    78%

    About the same as the parish

    10 points above Louisiana

    • Laplace
    • St. John the Baptist
    • Louisiana

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

Laplace is in St. John the Baptist 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. John the Baptist Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Laplace apart

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

  1. Nearby, in St. Rose, the typical rent is $856: 37% less than in Laplace ($1,351).

  2. Nearby, in Reserve, the typical home value is $154,100: 23% less than in Laplace ($199,900).

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

The homes here

Housing in Laplace

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

Year built

The typical year built in Laplace is 1985, about the same as in St. John the Baptist 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

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Laplace sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,540 a month

St. John the Baptist Parish: $1,497 a month

Without a mortgage

$461 a month

St. John the Baptist Parish: $435 a month

Owners with a mortgage

59%

St. John the Baptist Parish: 53%

The typical cost for an owner with a mortgage in Laplace is $1,540 a month, near the figure in St. John the Baptist Parish ($1,497).

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 Laplace rose 24% since 2015–2019, about the same as in St. John the Baptist Parish (26%).

Rents in Laplace rose more slowly than in St. John the Baptist Parish: 38% since 2015–2019, against 43%.

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

MeasureLaplaceSt. John the Baptist ParishLouisianaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.3%3.4%
People per household 2.682.672.492.53
Drive alone 82%82%79%69%
Carpool 8%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 8%6%8%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Laplace has 2.68 people on average, about the same as in St. John the Baptist Parish (2.67).

To get to work, 82% of workers in Laplace drive alone; in St. John the Baptist Parish, 82%.

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 Laplace?

A typical home is within reach of the typical income

We start with a typical home in Laplace, worth $199,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Laplace, which is $69,030 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Laplace. 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 $6,997 (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

$1,578

at 7.18% · 30 years

Loan amount
$196,279
Total interest
$282,399
Paid off in
November 2056

Includes $3,376 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,611 a month

    Your payment · 27%

  • Tight

    $1,611 to $2,071 a month

  • Hard

    more than $2,071 a month

Compared with the typical household income in Laplace ($69,030 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,578
Principal & interest$1,330
Property tax$77
Home insurance$83
FHA mortgage insurance (MIP)$88

You need at least $6,997 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

Laplace and St. John the Baptist Parish

Laplace is in St. John the Baptist 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).

Laplace's own numbers

Typical home value
$199,900
Typical monthly rent
$1,351
Typical yearly household income
$69,030
Households that own their home
78%
Effective property tax rate
0.46%

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

Numbers for all of St. John the Baptist Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,480
Price change over 5 years (FHFA)
+27%
Homes in a high flood-risk zone
24%

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. John the Baptist Parish.

Everything about St. John the Baptist Parish

Buying

Buying a home in Laplace

A typical home in Laplace is worth $199,900: 3% above the parish and 8% below Louisiana. With the typical household income in Laplace ($69,030 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.

  • Laplace 2.9 years
  • St. John the Baptist 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 St. John the Baptist Parish

According to FHFA’s house price index, home prices in St. John the Baptist Parish rose 52% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +8.4% +1.8% +2.9%
5 years (2020–2025) +27% +22% +47%
10 years (2015–2025) +52% +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

Laplace next to St. John the Baptist 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
  • Laplace $199,900
  • St. John the Baptist $193,200
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Laplace $1,351
  • St. John the Baptist $1,334
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Laplace $69,030
  • St. John the Baptist $66,630
  • Louisiana $60,756
  • United States $80,734
See the full table
Laplace next to St. John the Baptist Parish and Louisiana
Measure Laplace St. John the Baptist Parish Louisiana U.S.
Typical home value $199,900 $193,200 $216,500 $332,700
Typical monthly rent $1,351 $1,334 $1,064 $1,413
Typical yearly household income $69,030 $66,630 $60,756 $80,734
Households that own their home 78% 77% 67% 65%
Typical yearly property tax $918 $877 $1,180 $3,119
Effective property tax rate 0.46% 0.45% 0.55% 0.94%
Renters with high rent for their income 61% 54% 55% 51%

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

For a typical $199,900 home in Laplace, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laplace's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,578a month

    Least cash to close
    Down payment
    $6,997
    Cash to close
    $12,994
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $88

  • Conventional, 5% down $1,541a month

    Down payment
    $9,995
    Cash to close
    $15,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,243a month

    Down payment
    $39,980
    Cash to close
    $45,977
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,428a month

    Down payment
    $29,985
    Cash to close
    $35,982
    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 Laplace and for St. John the Baptist Parish.

Property tax

Effective rate in Laplace

0.46%of the home’s value each year

$918 a year for the typical owner in Laplace.

  • Laplace 0.46%
  • St. John the Baptist 0.45%
  • 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. John the Baptist Parish

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

Homes in the high-risk zone
24%
3,747
Of those, with NFIP insurance
80%
Parish Louisiana U.S.
Homes in the high-risk zone 24% 15% 3.5%
Of those, with NFIP insurance 80% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laplace

Typical rent in Laplace is $1,351 a month: about the same as the parish. In Laplace, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. John the Baptist Parish, by unit size. To pay the 2-bedroom one ($1,480 a month) without spending more than 30% of your income, you would need to earn $28.46 an hour working full time.

HUD fair market rent for all of St. John the Baptist 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 $1,096 $21.08 $43,840
1 bedroom $1,229 $23.63 $49,160
2 bedrooms $1,480 $28.46 $59,200
3 bedrooms $1,900 $36.54 $76,000
4 bedrooms $2,233 $42.94 $89,320

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 Laplace

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laplace is in ZIP code 70068.

For 2 bedrooms it is $1,550: $70 more than the fair market rent for St. John the Baptist Parish ($1,480).

  • 70068 $1,550$1,990

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

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 St. John the Baptist Parish. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Laplace

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

The HUD-approved agencies closest to the center of Laplace, 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 · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (504) 736-6900

  • Desire Community Housing Corporation

    3831 Hamburg St, New Orleans · 25 miles away

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

  • Family Resources of New Orleans

    817 N Claiborne Ave, New Orleans · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (504) 822-8519

All counseling agencies in Louisiana

Help in Spanish near Laplace

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 Laplace

HUD’s record names them for Laplace or St. John the Baptist Parish. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • St. John the Baptist Parish Housing Authority Section 8 vouchers (985) 359-9037
  • Housing Authority of St. John the Baptist Parish Public housing (985) 359-9037

All housing agencies in Louisiana Source: HUD

Cities

Other cities in St. John the Baptist Parish

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

Everything about St. John the Baptist Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If St. John the Baptist 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 Laplace.

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

Questions

Housing questions about Laplace

Short answers with the numbers for Laplace and all of St. John the Baptist 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 Laplace?

The typical home value in Laplace is $199,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. John the Baptist Parish it is $193,200.

How much does it cost to rent in Laplace?

Typical rent in Laplace is $1,351 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. John the Baptist Parish is $1,480.

What is the FHA loan limit in Laplace?

Laplace uses the FHA limit for all of St. John the Baptist 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 Laplace?

The typical homeowner in Laplace pays $918 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in St. John the Baptist Parish, the rate is 0.45%.

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

We found no HUD-approved counseling agencies with an office in St. John the Baptist 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).