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City · 7,105 residents · Acadia Parish, Louisiana

Rayne , Louisiana

In Rayne, a typical home is worth $156,500 and typical rent is $828 a month. Compared with all of Acadia Parish, typical rent is 22% higher, typical household income is 7% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $156,500

    About the same as the parish

    28% below Louisiana

    • Rayne
    • Acadia
    • Louisiana

  • Typical rent

    $828a month

    22% above the parish

    22% below Louisiana

    • Rayne
    • Acadia
    • Louisiana

  • Typical household income

    $42,151a year

    7% below the parish

    31% below Louisiana

    • Rayne
    • Acadia
    • Louisiana

  • Households that own their home

    54%

    13 points below the parish

    13 points below Louisiana

    • Rayne
    • Acadia
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$171,069
6.2% more than 12 months ago

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

Rayne is in Acadia 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 Acadia Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rayne apart

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

  1. Nearby, in Crowley, the typical rent is $594: 28% less than in Rayne ($828).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Rayne rose 6.2%; in Louisiana, it rose 2.1%.

  3. 54% of households in Rayne own their home, against 67% in Acadia Parish.

  4. The typical rent in Rayne is $828 a month, 22% more than in Acadia Parish as a whole ($681).

  5. 11% of households in Rayne have no internet at home (17% in Acadia Parish).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Rayne

What homes there are in Rayne, 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 Rayne, 8 in 10 homes are single-family detached houses, about the same as in Acadia Parish.

Year built

Homes in Rayne are older: the typical year built is 1975; in Acadia Parish, 1980.

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

$1,311 a month

Acadia Parish: $1,297 a month

Without a mortgage

$326 a month

Acadia Parish: $350 a month

Owners with a mortgage

30%

Acadia Parish: 40%

The typical cost for an owner with a mortgage in Rayne is $1,311 a month, near the figure in Acadia Parish ($1,297).

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 Rayne gained value faster than in Acadia Parish: 36% against 32%.

The typical rent in Rayne rose 39% over the same time.

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

MeasureRayneAcadia 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 estimate2.6%2.3%3.4%
People per household 2.522.542.492.53
Drive alone 89%83%79%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate6%8%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Rayne look like those in Acadia Parish: 2.52 people on average.

To get to work, 89% of workers in Rayne drive alone; in Acadia 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 Rayne?

A typical home is tight for the typical income

We start with a typical home in Rayne, worth $156,500, 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 Rayne, which is $42,151 a year. For that payment to be 28% of income, a household would need to earn about $51,772 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rayne. 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 $5,478 (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

$1,208

at 7.18% · 30 years

Loan amount
$153,665
Total interest
$221,088
Paid off in
November 2056

Includes $2,643 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $984 a month

  • Tight

    $984 to $1,265 a month

    Your payment · 34%

  • Hard

    more than $1,265 a month

Compared with the typical household income in Rayne ($42,151 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,208
Principal & interest$1,041
Property tax$33
Home insurance$65
FHA mortgage insurance (MIP)$69

You need at least $5,478 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

Rayne and Acadia Parish

Rayne is in Acadia 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).

Rayne's own numbers

Typical home value
$156,500
Typical monthly rent
$828
Typical yearly household income
$42,151
Households that own their home
54%
Effective property tax rate
0.25%

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

Numbers for all of Acadia Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$902
Price change over 5 years (FHFA)
+18%
Homes in a high flood-risk zone
27%

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 Acadia Parish.

Everything about Acadia Parish

Buying

Buying a home in Rayne

A typical home in Rayne is worth $156,500: about the same as the parish and 28% below Louisiana. With the typical household income in Rayne ($42,151 a year), a typical home costs 3.7 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.

  • Rayne 3.7 years
  • Acadia 3.4 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Acadia Parish

According to FHFA’s house price index, home prices in Acadia Parish rose 30% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +4.4% +1.8% +2.9%
5 years (2020–2025) +18% +22% +47%
10 years (2015–2025) +30% +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

Rayne next to Acadia 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
  • Rayne $156,500
  • Acadia $155,500
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Rayne $828
  • Acadia $681
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Rayne $42,151
  • Acadia $45,562
  • Louisiana $60,756
  • United States $80,734
See the full table
Rayne next to Acadia Parish and Louisiana
Measure Rayne Acadia Parish Louisiana U.S.
Typical home value $156,500 $155,500 $216,500 $332,700
Typical monthly rent $828 $681 $1,064 $1,413
Typical yearly household income $42,151 $45,562 $60,756 $80,734
Households that own their home 54% 67% 67% 65%
Typical yearly property tax $392 $483 $1,180 $3,119
Effective property tax rate 0.25% 0.31% 0.55% 0.94%
Renters with high rent for their income 48% 54% 55% 51%

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

For a typical $156,500 home in Rayne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rayne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,208a month

    Least cash to close
    Down payment
    $5,478
    Cash to close
    $10,173
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $69

  • Conventional, 5% down $1,179a month

    Down payment
    $7,825
    Cash to close
    $12,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $74

  • Conventional, 20% down, no PMI $946a month

    Down payment
    $31,300
    Cash to close
    $35,995
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,091a month

    Down payment
    $23,475
    Cash to close
    $28,170
    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 Rayne and for Acadia Parish.

Property tax

Effective rate in Rayne

0.25%of the home’s value each year

$392 a year for the typical owner in Rayne.

  • Rayne 0.25%
  • Acadia 0.31%
  • 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 Acadia Parish

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

Homes in the high-risk zone
27%
6,432
Of those, with NFIP insurance
25%
Parish Louisiana U.S.
Homes in the high-risk zone 27% 15% 3.5%
Of those, with NFIP insurance 25% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rayne

Typical rent in Rayne is $828 a month: 22% above the parish. In Rayne, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Acadia Parish, by unit size. To pay the 2-bedroom one ($902 a month) without spending more than 30% of your income, you would need to earn $17.35 an hour working full time.

HUD fair market rent for all of Acadia 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 $628 $12.08 $25,120
1 bedroom $690 $13.27 $27,600
2 bedrooms $902 $17.35 $36,080
3 bedrooms $1,075 $20.67 $43,000
4 bedrooms $1,267 $24.37 $50,680

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 Rayne

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rayne is in ZIP code 70578.

For 2 bedrooms it is $930: $28 more than the fair market rent for Acadia Parish ($902).

  • 70578 $930$1,180

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

HUD lists 8 buildings with rents for lower incomes in Rayne. These are the largest.

  • Unnamed 1006 Section Ave, Rayne 70578 200 low-income homes · Run by Housing Authority of Rayne · Average payment: $459 a month (337) 334-3084
  • Maison de Rayne 610 Sunrise St, Rayne 70578 22 low-income homes · For people with disabilities (337) 334-0142
  • Rayne Villas Apts 400 Hutchison St, Rayne 70578 32 low-income homes · 1 bd: 24 · 2 bd: 8 · In service since 2006
  • Leisure Lane 611 Sunrise St, Rayne 70578 20 homes, 19 low-income · For older adults (337) 334-6781
  • ST. Matthew Manor 801 E Jeff Davis Ave, Rayne 70578 20 homes, 19 low-income · For people with disabilities (337) 334-3658

See all 27 buildings in Acadia Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rayne

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 Acadia Parish; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Rayne

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

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

  • Assist Agency

    225 N Avenue C, Crowley · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (337) 788-7551

  • Saint Martin, Iberia, Lafayette Community Action Agency

    501 Saint John St, Lafayette · 15 miles away · Spanish

    Also serves in French.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    337-234-3272-203

  • Step Up Acadiana

    601 Loire Ave Ste H, Lafayette · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (337) 484-1501

Every agency in Acadia Parish All counseling agencies in Louisiana

Help in Spanish near Rayne

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 Rayne

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

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

Cities

Other cities in Acadia Parish

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

Everything about Acadia Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If Acadia 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 Rayne.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Rayne

Short answers with the numbers for Rayne and all of Acadia 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 Rayne?

The typical home value in Rayne is $156,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Acadia Parish it is $155,500.

How much does it cost to rent in Rayne?

Typical rent in Rayne is $828 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Acadia Parish is $902.

What is the FHA loan limit in Rayne?

Rayne uses the FHA limit for all of Acadia 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 Rayne?

The typical homeowner in Rayne pays $392 a year, according to the U.S. Census Bureau. That is 0.25% of the home’s value; in Acadia Parish, the rate is 0.31%.

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

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