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City · 7,644 residents · St. Charles Parish, Louisiana

St. Rose , Louisiana

In St. Rose, a typical home is worth $238,900 and typical rent is $856 a month. Compared with all of St. Charles Parish, typical rent is 29% lower, the typical home value is 9% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $238,900

    9% below the parish

    10% above Louisiana

    • St. Rose
    • St. Charles
    • Louisiana

  • Typical rent

    $856a month

    29% below the parish

    20% below Louisiana

    • St. Rose
    • St. Charles
    • Louisiana

  • Typical household income

    $74,075a year

    8% below the parish

    22% above Louisiana

    • St. Rose
    • St. Charles
    • Louisiana

  • Households that own their home

    76%

    6 points below the parish

    8 points above Louisiana

    • St. Rose
    • St. Charles
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$229,589
about the same as 12 months ago

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

St. Rose 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 St. Rose apart

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

  1. Nearby, in Waggaman, the typical home value is $170,400: 29% less than in St. Rose ($238,900).

  2. The typical rent in St. Rose is $856 a month, 29% less than in St. Charles Parish as a whole ($1,210).

  3. 76% of households in St. Rose own their home, against 82% in St. Charles Parish.

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

The homes here

Housing in St. Rose

What homes there are in St. Rose, 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

Detached houses are the majority in St. Rose (68%), but less so than in St. Charles Parish (77%).

Mobile homes are 15% of homes in St. Rose, more than in St. Charles Parish (11%).

Year built

In St. Rose, half of the homes were built before 1988; 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 limit for St. Charles Parish is high ($541,287): at least 92% of owner-occupied homes in St. Rose are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,628 a month

St. Charles Parish: $1,818 a month

Without a mortgage

$515 a month

St. Charles Parish: $551 a month

Owners with a mortgage

61%

St. Charles Parish: 60%

In St. Rose, 61% of owners have a mortgage, and their typical cost is $1,628 a month, against $1,818 in St. Charles Parish. Without one it drops to $515.

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 St. Rose rose 57% since 2015–2019, more than in St. Charles Parish (31%).

Since 2015–2019, the typical rent in St. Rose did not change clearly, according to the Census.

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

MeasureSt. RoseSt. 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 3.002.742.492.53
Drive alone 79%83%79%69%
Carpool Unreliable estimate5%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 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in St. Rose has 3.00 people, more than in St. Charles Parish (2.74).

The car rules in St. Rose: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 St. Rose?

A typical home is tight for the typical income

We start with a typical home in St. Rose, worth $238,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in St. Rose, which is $74,075 a year. For that payment to be 28% of income, a household would need to earn about $84,321 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 St. Rose. 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 $8,362 (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

$1,967

at 7.18% · 30 years

Loan amount
$234,572
Total interest
$337,495
Paid off in
November 2056

Includes $4,034 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,728 a month

  • Tight

    $1,728 to $2,222 a month

    Your payment · 32%

  • Hard

    more than $2,222 a month

Compared with the typical household income in St. Rose ($74,075 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,967
Principal & interest$1,589
Property tax$173
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,362 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

St. Rose and St. Charles Parish

St. Rose 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).

St. Rose's own numbers

Typical home value
$238,900
Typical monthly rent
$856
Typical yearly household income
$74,075
Households that own their home
76%
Effective property tax rate
0.87%

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 St. Rose

A typical home in St. Rose is worth $238,900: 9% below the parish and 10% above Louisiana. With the typical household income in St. Rose ($74,075 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.

  • St. Rose 3.2 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

St. Rose 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
  • St. Rose $238,900
  • St. Charles $263,700
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • St. Rose $856
  • St. Charles $1,210
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • St. Rose $74,075
  • St. Charles $80,897
  • Louisiana $60,756
  • United States $80,734
See the full table
St. Rose next to St. Charles Parish and Louisiana
Measure St. Rose St. Charles Parish Louisiana U.S.
Typical home value $238,900 $263,700 $216,500 $332,700
Typical monthly rent $856 $1,210 $1,064 $1,413
Typical yearly household income $74,075 $80,897 $60,756 $80,734
Households that own their home 76% 82% 67% 65%
Typical yearly property tax $2,085 $1,562 $1,180 $3,119
Effective property tax rate 0.87% 0.59% 0.55% 0.94%
Renters with high rent for their income 64% 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 St. Rose

For a typical $238,900 home in St. Rose, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Rose's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,967a month

    Least cash to close
    Down payment
    $8,362
    Cash to close
    $15,529
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $1,924a month

    Down payment
    $11,945
    Cash to close
    $19,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $113

  • Conventional, 20% down, no PMI $1,567a month

    Down payment
    $47,780
    Cash to close
    $54,947
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,788a month

    Down payment
    $35,835
    Cash to close
    $43,002
    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 St. Rose and for St. Charles Parish.

Property tax

Effective rate in St. Rose

0.87%of the home’s value each year

$2,085 a year for the typical owner in St. Rose.

  • St. Rose 0.87%
  • 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 St. Rose

Typical rent in St. Rose is $856 a month: 29% below the parish. In St. Rose, 64% 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 St. Rose

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Rose is in ZIP code 70087.

For 2 bedrooms it is $1,210: $270 less than the fair market rent for St. Charles Parish ($1,480).

  • 70087 $1,210$1,540

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

Free help

Help to buy or rent in St. Rose

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 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 St. Rose

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

The HUD-approved agencies closest to the center of St. Rose, 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 · 7 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 · 14 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 · 14 miles away

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

All counseling agencies in Louisiana

Help in Spanish near St. Rose

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 St. Rose

HUD’s record names them for St. Rose 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 St. Rose, 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 St. Rose.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about St. Rose

Short answers with the numbers for St. Rose 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 St. Rose?

The typical home value in St. Rose is $238,900, 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 St. Rose?

Typical rent in St. Rose is $856 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 St. Rose?

St. Rose 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 St. Rose?

The typical homeowner in St. Rose pays $2,085 a year, according to the U.S. Census Bureau. That is 0.87% 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 St. Rose?

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).