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City · 7,808 residents · Tangipahoa Parish, Louisiana

Ponchatoula , Louisiana

In Ponchatoula, a typical home is worth $200,300. Compared with all of Tangipahoa Parish, typical household income is 10% lower, the typical home value is 6% lower, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $200,300

    6% below the parish

    7% below Louisiana

    • Ponchatoula
    • Tangipahoa
    • Louisiana

  • Typical household income

    $51,161a year

    10% below the parish

    16% below Louisiana

    • Ponchatoula
    • Tangipahoa
    • Louisiana

  • Households that own their home

    76%

    6 points above the parish

    9 points above Louisiana

    • Ponchatoula
    • Tangipahoa
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$246,990
1.8% more than 12 months ago
Typical rent
$1,675 a month
0.8% more than 12 months ago

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

Ponchatoula is in Tangipahoa 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 Tangipahoa Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ponchatoula apart

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

  1. 76% of households in Ponchatoula own their home, against 70% in Tangipahoa Parish.

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

The homes here

Housing in Ponchatoula

What homes there are in Ponchatoula, 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 Ponchatoula, 7 in 10 homes are single-family detached houses; in Tangipahoa Parish, 6.

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

$1,245 a month

Tangipahoa Parish: $1,451 a month

Without a mortgage

$331 a month

Tangipahoa Parish: $414 a month

Owners with a mortgage

50%

Tangipahoa Parish: 55%

Owning costs less in Ponchatoula: with a mortgage, the typical cost is $1,245 a month; in Tangipahoa Parish, $1,451. Without one, $331.

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, home values in Ponchatoula rose at about the same pace as in Tangipahoa Parish: 31% against 31%.

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

MeasurePonchatoulaTangipahoa ParishLouisianaUnited States
Rental vacancy Unreliable estimate9.0%7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.2%2.3%3.4%
People per household 2.222.552.492.53
Drive alone 78%80%79%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate7%8%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Ponchatoula has 2.22 people, fewer than in Tangipahoa Parish (2.55).

To get to work, 78% of workers in Ponchatoula drive alone; in Tangipahoa Parish, 80%.

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 Ponchatoula?

A typical home costs more than the typical income allows

We start with a typical home in Ponchatoula, worth $200,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Ponchatoula, which is $51,161 a year. For that payment to be 28% of income, a household would need to earn about $67,406 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ponchatoula. 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 $7,011 (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

$1,573

at 7.18% · 30 years

Loan amount
$196,672
Total interest
$282,964
Paid off in
November 2056

Includes $3,383 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,194 a month

  • Tight

    $1,194 to $1,535 a month

  • Hard

    more than $1,535 a month

    Your payment · 37%

Compared with the typical household income in Ponchatoula ($51,161 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,573
Principal & interest$1,332
Property tax$68
Home insurance$84
FHA mortgage insurance (MIP)$89

You need at least $7,011 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

Ponchatoula and Tangipahoa Parish

Ponchatoula is in Tangipahoa 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).

Ponchatoula's own numbers

Typical home value
$200,300
Typical yearly household income
$51,161
Households that own their home
76%
Effective property tax rate
0.41%

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

Numbers for all of Tangipahoa Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,097
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
19%

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 Tangipahoa Parish.

Everything about Tangipahoa Parish

Buying

Buying a home in Ponchatoula

A typical home in Ponchatoula is worth $200,300: 6% below the parish and 7% below Louisiana. With the typical household income in Ponchatoula ($51,161 a year), a typical home costs 3.9 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.

  • Ponchatoula 3.9 years
  • Tangipahoa 3.8 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Tangipahoa Parish

According to FHFA’s house price index, home prices in Tangipahoa Parish rose 47% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +0.3% +1.8% +2.9%
5 years (2020–2025) +32% +22% +47%
10 years (2015–2025) +47% +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

Ponchatoula next to Tangipahoa 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
  • Ponchatoula $200,300
  • Tangipahoa $212,900
  • Louisiana $216,500
  • United States $332,700
Typical yearly household income
  • Ponchatoula $51,161
  • Tangipahoa $56,760
  • Louisiana $60,756
  • United States $80,734
See the full table
Ponchatoula next to Tangipahoa Parish and Louisiana
Measure Ponchatoula Tangipahoa Parish Louisiana U.S.
Typical home value $200,300 $212,900 $216,500 $332,700
Typical yearly household income $51,161 $56,760 $60,756 $80,734
Households that own their home 76% 70% 67% 65%
Typical yearly property tax $828 $882 $1,180 $3,119
Effective property tax rate 0.41% 0.41% 0.55% 0.94%
Renters with high rent for their income 60% 57% 55% 51%

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

For a typical $200,300 home in Ponchatoula, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ponchatoula's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,573a month

    Least cash to close
    Down payment
    $7,011
    Cash to close
    $13,020
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $89

  • Conventional, 5% down $1,536a month

    Down payment
    $10,015
    Cash to close
    $16,024
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,237a month

    Down payment
    $40,060
    Cash to close
    $46,069
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,423a month

    Down payment
    $30,045
    Cash to close
    $36,054
    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 Ponchatoula and for Tangipahoa Parish.

Property tax

Effective rate in Ponchatoula

0.41%of the home’s value each year

$828 a year for the typical owner in Ponchatoula.

  • Ponchatoula 0.41%
  • Tangipahoa 0.41%
  • 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 Tangipahoa Parish

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

Homes in the high-risk zone
19%
8,591
Of those, with NFIP insurance
34%
Parish Louisiana U.S.
Homes in the high-risk zone 19% 15% 3.5%
Of those, with NFIP insurance 34% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ponchatoula

The Census Bureau publishes no typical rent for Ponchatoula. Below are the fair market rents for Tangipahoa Parish. In Ponchatoula, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Tangipahoa Parish, by unit size. To pay the 2-bedroom one ($1,097 a month) without spending more than 30% of your income, you would need to earn $21.10 an hour working full time.

HUD fair market rent for all of Tangipahoa 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 $782 $15.04 $31,280
1 bedroom $854 $16.42 $34,160
2 bedrooms $1,097 $21.10 $43,880
3 bedrooms $1,384 $26.62 $55,360
4 bedrooms $1,442 $27.73 $57,680

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 Ponchatoula

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ponchatoula is in ZIP code 70454.

For 2 bedrooms it is $1,230: $133 more than the fair market rent for Tangipahoa Parish ($1,097).

  • 70454 $1,230$1,550

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

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

  • Pelican Drive 1034 Pelican Dr, Ponchatoula 70454 110 low-income homes · Run by Housing Authority of the Town of Pontchatoula · Average payment: $471 a month · Average wait: 4 months · Homes at several sites (985) 386-3257
  • Live Oak Apartments 41037 S Range Rd, Ponchatoula 70454 48 low-income homes · 2 bd: 4 · In service since 1999

See all 32 buildings in Tangipahoa Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ponchatoula

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

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

HUD counseling is free or low-cost

Assistance programs in Ponchatoula

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

The HUD-approved agencies closest to the center of Ponchatoula, 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 · 24 miles away

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

  • Integrity Homebuyer Association, Incorporated

    2107 S Burnside Ave Ste 5, Gonzales · 32 miles away

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

  • Jefferson Community Action Programs

    1221 Elmwood Park Blvd, New Orleans · 36 miles away

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

All counseling agencies in Louisiana

Help in Spanish near Ponchatoula

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 Ponchatoula

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

3 other authorities have an office in Tangipahoa Parish: see the list Source: HUD

Cities

Other cities in Tangipahoa Parish

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

Everything about Tangipahoa Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If Tangipahoa 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 Ponchatoula.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Ponchatoula

Short answers with the numbers for Ponchatoula and all of Tangipahoa 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 Ponchatoula?

The typical home value in Ponchatoula is $200,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tangipahoa Parish it is $212,900.

What is the FHA loan limit in Ponchatoula?

Ponchatoula uses the FHA limit for all of Tangipahoa 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 Ponchatoula?

The typical homeowner in Ponchatoula pays $828 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Tangipahoa Parish, the rate is 0.41%.

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

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