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City · 5,744 residents · St. Mary Parish, Louisiana

Patterson , Louisiana

In Patterson, a typical home is worth $160,400 and typical rent is $878 a month. Compared with all of St. Mary Parish, the typical home value is 15% higher, typical household income is 5% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $160,400

    15% above the parish

    26% below Louisiana

    • Patterson
    • St. Mary
    • Louisiana

  • Typical rent

    $878a month

    4% above the parish

    17% below Louisiana

    • Patterson
    • St. Mary
    • Louisiana

  • Typical household income

    $49,886a year

    5% below the parish

    18% below Louisiana

    • Patterson
    • St. Mary
    • Louisiana

  • Households that own their home

    56%

    12 points below the parish

    11 points below Louisiana

    • Patterson
    • St. Mary
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$156,549
5.1% more than 12 months ago

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

Patterson is in St. Mary 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. Mary Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Patterson apart

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

  1. Nearby, in Franklin, the typical home value is $104,400: 35% less than in Patterson ($160,400).

  2. 56% of households in Patterson own their home, against 69% in St. Mary Parish.

  3. The typical home in Patterson is worth $160,400, 15% more than in St. Mary Parish as a whole ($138,900).

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

The homes here

Housing in Patterson

What homes there are in Patterson, 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 Patterson, 6 in 10 homes are single-family detached houses; in St. Mary Parish, 7.

Year built

Here half of the homes date from 1980 or later; in St. Mary Parish, from 1976 or later.

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

$1,377 a month

St. Mary Parish: $1,420 a month

Without a mortgage

$423 a month

St. Mary Parish: $418 a month

Owners with a mortgage

54%

St. Mary Parish: 35%

Owning costs about the same in Patterson as in St. Mary Parish: with a mortgage, $1,377 a month; without one, $423.

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 Patterson gained value faster than in St. Mary Parish: 59% against 30%.

Rents in Patterson rose faster than in St. Mary Parish: 20% since 2015–2019, against 9%.

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

MeasurePattersonSt. Mary ParishLouisianaUnited States
Rental vacancy Unreliable estimate8.3%7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate3.6%2.3%3.4%
People per household 2.732.552.492.53
Drive alone 77%85%79%69%
Carpool 10%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate6%8%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.73 on average, against 2.55 in St. Mary Parish.

To get to work, 77% of workers in Patterson drive alone; in St. Mary Parish, 85%.

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 Patterson?

A typical home is tight for the typical income

We start with a typical home in Patterson, worth $160,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Patterson, which is $49,886 a year. For that payment to be 28% of income, a household would need to earn about $53,234 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Patterson. 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 $5,614 (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

$1,242

at 7.18% · 30 years

Loan amount
$157,495
Total interest
$226,598
Paid off in
November 2056

Includes $2,709 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,164 a month

  • Tight

    $1,164 to $1,497 a month

    Your payment · 30%

  • Hard

    more than $1,497 a month

Compared with the typical household income in Patterson ($49,886 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,242
Principal & interest$1,067
Property tax$37
Home insurance$67
FHA mortgage insurance (MIP)$71

You need at least $5,614 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

Patterson and St. Mary Parish

Patterson is in St. Mary 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).

Patterson's own numbers

Typical home value
$160,400
Typical monthly rent
$878
Typical yearly household income
$49,886
Households that own their home
56%
Effective property tax rate
0.28%

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

Numbers for all of St. Mary Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$997
Price change over 5 years (FHFA)
+12%
Homes in a high flood-risk zone
28%

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. Mary Parish.

Everything about St. Mary Parish

Buying

Buying a home in Patterson

A typical home in Patterson is worth $160,400: 15% above the parish and 26% below Louisiana. With the typical household income in Patterson ($49,886 a year), a typical home costs 3.2 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.

  • Patterson 3.2 years
  • St. Mary 2.6 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Mary Parish

According to FHFA’s house price index, home prices in St. Mary Parish rose 14% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) −4.1% +1.8% +2.9%
5 years (2020–2025) +12% +22% +47%
10 years (2015–2025) +14% +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

Patterson next to St. Mary 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
  • Patterson $160,400
  • St. Mary $138,900
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Patterson $878
  • St. Mary $848
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Patterson $49,886
  • St. Mary $52,576
  • Louisiana $60,756
  • United States $80,734
See the full table
Patterson next to St. Mary Parish and Louisiana
Measure Patterson St. Mary Parish Louisiana U.S.
Typical home value $160,400 $138,900 $216,500 $332,700
Typical monthly rent $878 $848 $1,064 $1,413
Typical yearly household income $49,886 $52,576 $60,756 $80,734
Households that own their home 56% 69% 67% 65%
Typical yearly property tax $455 $545 $1,180 $3,119
Effective property tax rate 0.28% 0.39% 0.55% 0.94%
Renters with high rent for their income 66% 51% 55% 51%

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

For a typical $160,400 home in Patterson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Patterson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,242a month

    Least cash to close
    Down payment
    $5,614
    Cash to close
    $10,426
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $71

  • Conventional, 5% down $1,213a month

    Down payment
    $8,020
    Cash to close
    $12,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $76

  • Conventional, 20% down, no PMI $974a month

    Down payment
    $32,080
    Cash to close
    $36,892
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,122a month

    Down payment
    $24,060
    Cash to close
    $28,872
    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 Patterson and for St. Mary Parish.

Property tax

Effective rate in Patterson

0.28%of the home’s value each year

$455 a year for the typical owner in Patterson.

  • Patterson 0.28%
  • St. Mary 0.39%
  • 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. Mary Parish

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

Homes in the high-risk zone
28%
5,751
Of those, with NFIP insurance
26%
Parish Louisiana U.S.
Homes in the high-risk zone 28% 15% 3.5%
Of those, with NFIP insurance 26% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Patterson

Typical rent in Patterson is $878 a month: 4% above the parish. In Patterson, 66% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Mary Parish, by unit size. To pay the 2-bedroom one ($997 a month) without spending more than 30% of your income, you would need to earn $19.17 an hour working full time.

HUD fair market rent for all of St. Mary 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 $757 $14.56 $30,280
1 bedroom $762 $14.65 $30,480
2 bedrooms $997 $19.17 $39,880
3 bedrooms $1,321 $25.40 $52,840
4 bedrooms $1,633 $31.40 $65,320

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 Patterson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Patterson is in ZIP code 70392.

For 2 bedrooms it is $950: $47 less than the fair market rent for St. Mary Parish ($997).

  • 70392 $950$1,260

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

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

  • A-B-C 411 Grout St, Patterson 70392 106 low-income homes · Run by Housing Authority of the Town of Patterson · Average payment: $406 a month · Average wait: 3 months (985) 395-3736

See all 7 buildings in St. Mary Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Patterson

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. Mary Parish; none 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 Patterson

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

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

  • Saint Mary Community Action Agency, Inc.

    1407 Barrow St, Franklin · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (337) 828-5703

  • Integrity Homebuyer Association, Incorporated

    2107 S Burnside Ave Ste 5, Gonzales · 43 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 · 48 miles away · Spanish

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

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

Help in Spanish near Patterson

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 Patterson

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

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

Cities

Other cities in St. Mary Parish

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

Everything about St. Mary Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If St. Mary 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 Patterson.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Patterson

Short answers with the numbers for Patterson and all of St. Mary 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 Patterson?

The typical home value in Patterson is $160,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Mary Parish it is $138,900.

How much does it cost to rent in Patterson?

Typical rent in Patterson is $878 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Mary Parish is $997.

What is the FHA loan limit in Patterson?

Patterson uses the FHA limit for all of St. Mary 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 Patterson?

The typical homeowner in Patterson pays $455 a year, according to the U.S. Census Bureau. That is 0.28% of the home’s value; in St. Mary Parish, the rate is 0.39%.

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

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