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City · 7,791 residents · St. John the Baptist Parish, Louisiana

Reserve , Louisiana

In Reserve, a typical home is worth $154,100 and typical rent is $1,381 a month. Compared with all of St. John the Baptist Parish, the typical home value is 20% lower, typical household income is 17% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $154,100

    20% below the parish

    29% below Louisiana

    • Reserve
    • St. John the Baptist
    • Louisiana

  • Typical rent

    $1,381a month

    4% above the parish

    30% above Louisiana

    • Reserve
    • St. John the Baptist
    • Louisiana

  • Typical household income

    $55,450a year

    17% below the parish

    9% below Louisiana

    • Reserve
    • St. John the Baptist
    • Louisiana

  • Households that own their home

    71%

    7 points below the parish

    3 points above Louisiana

    • Reserve
    • St. John the Baptist
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$169,135
about the same as 12 months ago

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

Reserve 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 Reserve apart

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

  1. Reserve has the 4th smallest share of rent-burdened renters of the 83 cities in Louisiana with more than 5,000 people (36%).

  2. Nearby, in St. Rose, the typical rent is $856: 38% less than in Reserve ($1,381).

  3. The typical home in Reserve is worth $154,100, 20% less than in St. John the Baptist Parish as a whole ($193,200).

  4. The typical household income in Reserve is $55,450, 17% less than in St. John the Baptist Parish as a whole ($66,630).

  5. 71% of households in Reserve own their home, against 77% in St. John the Baptist Parish.

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

The homes here

Housing in Reserve

What homes there are in Reserve, 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 Reserve, 8 in 10 homes are single-family detached houses; in St. John the Baptist Parish, 8.

There are more mobile homes here than in St. John the Baptist Parish: 12% of homes, against 8%.

Year built

In Reserve, half of the homes were built before 1983; in St. John the Baptist Parish, before 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

The FHA limit for St. John the Baptist Parish is high ($541,287): at least 99% of owner-occupied homes in Reserve are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,342 a month

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

Without a mortgage

$364 a month

St. John the Baptist Parish: $435 a month

Owners with a mortgage

38%

St. John the Baptist Parish: 53%

Owning costs less in Reserve: with a mortgage, the typical cost is $1,342 a month; in St. John the Baptist Parish, $1,497. Without one, $364.

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 Reserve rose at about the same pace as in St. John the Baptist Parish: 27% against 26%.

Rents in Reserve rose faster than in St. John the Baptist Parish: 106% since 2015–2019, against 43%.

To compare: typical income in Reserve rose 32%; the home, +27%; the rent, +106%.

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

MeasureReserveSt. 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 2.642.672.492.53
Drive alone 79%82%79%69%
Carpool 15%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate6%8%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Reserve has 2.64 people on average, about the same as in St. John the Baptist Parish (2.67).

More people carpool to work in Reserve than in St. John the Baptist Parish: 15% against 9%.

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 Reserve?

A typical home is within reach of the typical income

We start with a typical home in Reserve, worth $154,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Reserve, which is $55,450 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 Reserve. 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 $5,394 (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

$1,205

at 7.18% · 30 years

Loan amount
$151,308
Total interest
$217,697
Paid off in
November 2056

Includes $2,602 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,294 a month

    Your payment · 26%

  • Tight

    $1,294 to $1,663 a month

  • Hard

    more than $1,663 a month

Compared with the typical household income in Reserve ($55,450 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,205
Principal & interest$1,025
Property tax$48
Home insurance$64
FHA mortgage insurance (MIP)$68

You need at least $5,394 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

Reserve and St. John the Baptist Parish

Reserve 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).

Reserve's own numbers

Typical home value
$154,100
Typical monthly rent
$1,381
Typical yearly household income
$55,450
Households that own their home
71%
Effective property tax rate
0.37%

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 Reserve

A typical home in Reserve is worth $154,100: 20% below the parish and 29% below Louisiana. With the typical household income in Reserve ($55,450 a year), a typical home costs 2.8 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.

  • Reserve 2.8 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

Reserve 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
  • Reserve $154,100
  • St. John the Baptist $193,200
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Reserve $1,381
  • St. John the Baptist $1,334
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Reserve $55,450
  • St. John the Baptist $66,630
  • Louisiana $60,756
  • United States $80,734
See the full table
Reserve next to St. John the Baptist Parish and Louisiana
Measure Reserve St. John the Baptist Parish Louisiana U.S.
Typical home value $154,100 $193,200 $216,500 $332,700
Typical monthly rent $1,381 $1,334 $1,064 $1,413
Typical yearly household income $55,450 $66,630 $60,756 $80,734
Households that own their home 71% 77% 67% 65%
Typical yearly property tax $570 $877 $1,180 $3,119
Effective property tax rate 0.37% 0.45% 0.55% 0.94%
Renters with high rent for their income 36% 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 Reserve

For a typical $154,100 home in Reserve, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Reserve's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,205a month

    Least cash to close
    Down payment
    $5,394
    Cash to close
    $10,017
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $68

  • Conventional, 5% down $1,177a month

    Down payment
    $7,705
    Cash to close
    $12,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $73

  • Conventional, 20% down, no PMI $947a month

    Down payment
    $30,820
    Cash to close
    $35,443
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,089a month

    Down payment
    $23,115
    Cash to close
    $27,738
    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 Reserve and for St. John the Baptist Parish.

Property tax

Effective rate in Reserve

0.37%of the home’s value each year

$570 a year for the typical owner in Reserve.

  • Reserve 0.37%
  • 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 Reserve

Typical rent in Reserve is $1,381 a month: 4% above the parish. In Reserve, 36% 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 Reserve

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Reserve is in ZIP code 70084.

For 2 bedrooms it is $1,470: $10 less than the fair market rent for St. John the Baptist Parish ($1,480).

  • 70084 $1,470$1,890

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

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

  • Willow Ridge Apts. 441 NW 3rd St, Reserve 70084 32 homes · 2 bd: 4 · In service since 1992

See all 4 buildings in St. John the Baptist Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Reserve

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 Reserve

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

The HUD-approved agencies closest to the center of Reserve, 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 · 23 miles away

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

  • Integrity Homebuyer Association, Incorporated

    2107 S Burnside Ave Ste 5, Gonzales · 24 miles away

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

  • Desire Community Housing Corporation

    3831 Hamburg St, New Orleans · 29 miles away

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

All counseling agencies in Louisiana

Help in Spanish near Reserve

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 Reserve

HUD’s record names them for Reserve 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 Reserve, 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 Reserve.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Reserve

Short answers with the numbers for Reserve 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 Reserve?

The typical home value in Reserve is $154,100, 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 Reserve?

Typical rent in Reserve is $1,381 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 Reserve?

Reserve 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 Reserve?

The typical homeowner in Reserve pays $570 a year, according to the U.S. Census Bureau. That is 0.37% 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 Reserve?

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).