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City · 13,960 residents · St. Charles Parish, Louisiana

Luling , Louisiana

In Luling, a typical home is worth $273,800 and typical rent is $1,625 a month. Compared with all of St. Charles Parish, typical rent is 34% higher, typical household income is 5% lower, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $273,800

    4% above the parish

    26% above Louisiana

    • Luling
    • St. Charles
    • Louisiana

  • Typical rent

    $1,625a month

    34% above the parish

    53% above Louisiana

    • Luling
    • St. Charles
    • Louisiana

  • Typical household income

    $76,539a year

    5% below the parish

    26% above Louisiana

    • Luling
    • St. Charles
    • Louisiana

  • Households that own their home

    87%

    5 points above the parish

    20 points above Louisiana

    • Luling
    • St. Charles
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$283,693
3% more than 12 months ago
Typical rent
$1,698 a month

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

Luling is in St. Charles 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. Charles Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Luling apart

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

  1. Luling has the 2nd highest typical rent of the 92 cities in Louisiana with more than 5,000 people ($1,625).

  2. Nearby, in St. Rose, the typical rent is $856: 47% less than in Luling ($1,625).

  3. Nearby, in Waggaman, the typical home value is $170,400: 38% less than in Luling ($273,800).

  4. 87% of households in Luling own their home, against 82% in St. Charles Parish.

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

The homes here

Housing in Luling

What homes there are in Luling, 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 Luling, 9 in 10 homes are single-family detached houses; in St. Charles Parish, 8.

Year built

In Luling, half of the homes were built before 1984; in St. Charles Parish, before 1986.

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

The FHA loan limit for St. Charles Parish is $541,287, and about 94% of owner-occupied homes in Luling are worth less than that.

Monthly rent with utilities

With a mortgage

$1,865 a month

St. Charles Parish: $1,818 a month

Without a mortgage

$551 a month

St. Charles Parish: $551 a month

Owners with a mortgage

60%

St. Charles Parish: 60%

The typical cost for an owner with a mortgage in Luling is $1,865 a month, near the figure in St. Charles Parish ($1,818).

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 Luling rose 25% since 2015–2019, less than in St. Charles Parish (31%).

Rents in Luling rose faster than in St. Charles Parish: 41% since 2015–2019, against 24%.

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

MeasureLulingSt. Charles ParishLouisianaUnited States
Rental vacancy Unreliable estimate9.8%7.8%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 2.622.742.492.53
Drive alone 85%83%79%69%
Carpool 4%5%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate8%8%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in St. Charles Parish, a household in Luling has 2.62 people on average.

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

A typical home is tight for the typical income

We start with a typical home in Luling, worth $273,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Luling, which is $76,539 a year. For that payment to be 28% of income, a household would need to earn about $93,999 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Luling. 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 $9,583 (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

$2,193

at 7.18% · 30 years

Loan amount
$268,841
Total interest
$386,799
Paid off in
November 2056

Includes $4,624 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,786 a month

  • Tight

    $1,786 to $2,296 a month

    Your payment · 34%

  • Hard

    more than $2,296 a month

Compared with the typical household income in Luling ($76,539 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,193
Principal & interest$1,821
Property tax$137
Home insurance$114
FHA mortgage insurance (MIP)$121

You need at least $9,583 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

Luling and St. Charles Parish

Luling is in St. Charles 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).

Luling's own numbers

Typical home value
$273,800
Typical monthly rent
$1,625
Typical yearly household income
$76,539
Households that own their home
87%
Effective property tax rate
0.6%

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

Numbers for all of St. Charles 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)
+23%

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. Charles Parish.

Everything about St. Charles Parish

Buying

Buying a home in Luling

A typical home in Luling is worth $273,800: 4% above the parish and 26% above Louisiana. With the typical household income in Luling ($76,539 a year), a typical home costs 3.6 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.

  • Luling 3.6 years
  • St. Charles 3.3 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Charles Parish

According to FHFA’s house price index, home prices in St. Charles Parish rose 45% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +3.0% +1.8% +2.9%
5 years (2020–2025) +23% +22% +47%
10 years (2015–2025) +45% +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

Luling next to St. Charles 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
  • Luling $273,800
  • St. Charles $263,700
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Luling $1,625
  • St. Charles $1,210
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Luling $76,539
  • St. Charles $80,897
  • Louisiana $60,756
  • United States $80,734
See the full table
Luling next to St. Charles Parish and Louisiana
Measure Luling St. Charles Parish Louisiana U.S.
Typical home value $273,800 $263,700 $216,500 $332,700
Typical monthly rent $1,625 $1,210 $1,064 $1,413
Typical yearly household income $76,539 $80,897 $60,756 $80,734
Households that own their home 87% 82% 67% 65%
Typical yearly property tax $1,630 $1,562 $1,180 $3,119
Effective property tax rate 0.6% 0.59% 0.55% 0.94%
Renters with high rent for their income 62% 66% 55% 51%

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

For a typical $273,800 home in Luling, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Luling's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,193a month

    Least cash to close
    Down payment
    $9,583
    Cash to close
    $17,797
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $121

  • Conventional, 5% down $2,143a month

    Down payment
    $13,690
    Cash to close
    $21,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $130

  • Conventional, 20% down, no PMI $1,735a month

    Down payment
    $54,760
    Cash to close
    $62,974
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,988a month

    Down payment
    $41,070
    Cash to close
    $49,284
    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 Luling and for St. Charles Parish.

Property tax

Effective rate in Luling

0.6%of the home’s value each year

$1,630 a year for the typical owner in Luling.

  • Luling 0.6%
  • St. Charles 0.59%
  • 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. Charles Parish

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

FEMA’s maps count no homes in the high-risk zone in St. Charles 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 Luling

Typical rent in Luling is $1,625 a month: 34% above the parish. In Luling, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Charles 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. Charles 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 Luling

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

For 2 bedrooms it runs from $1,470 in 70039 to $1,890 in 70070.

1 of the 2 is above the fair market rent for St. Charles Parish ($1,480).

  • 70039 $1,470$1,890
  • 70070 $1,890$2,430

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

HUD lists one building with rents for lower incomes in Luling.

  • Lancelot Square Apartments 100 Lance Ln, Luling 70070 72 homes · For families

See all 3 buildings in St. Charles Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Luling

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Luling

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

The HUD-approved agencies closest to the center of Luling, 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 · 11 miles away

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

  • New Orleans Neighborhood Development Foundation

    1429 S Rampart St, New Orleans · 17 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (504) 488-0155

  • Louisiana Fair Housing Action Center, Inc.

    1340 Poydras St, New Orleans · 17 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    (504) 596-2100

All counseling agencies in Louisiana

Help in Spanish near Luling

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 Luling

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

  • Housing Authority of St. Charles Parish Public housing and Section 8 vouchers (985) 785-2601

All housing agencies in Louisiana Source: HUD

Cities

Other cities in St. Charles Parish

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

Everything about St. Charles Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If St. Charles 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 Luling.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Luling

Short answers with the numbers for Luling and all of St. Charles 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 Luling?

The typical home value in Luling is $273,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Charles Parish it is $263,700.

How much does it cost to rent in Luling?

Typical rent in Luling is $1,625 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Charles Parish is $1,480.

What is the FHA loan limit in Luling?

Luling uses the FHA limit for all of St. Charles 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 Luling?

The typical homeowner in Luling pays $1,630 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in St. Charles Parish, the rate is 0.59%.

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

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