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City · 19,952 residents · East Baton Rouge Parish, Louisiana

Zachary , Louisiana

In Zachary, a typical home is worth $259,100 and typical rent is $1,527 a month. Compared with all of East Baton Rouge Parish, typical household income is 34% higher, typical rent is 33% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $259,100

    4% above the parish

    20% above Louisiana

    • Zachary
    • East Baton Rouge
    • Louisiana

  • Typical rent

    $1,527a month

    33% above the parish

    44% above Louisiana

    • Zachary
    • East Baton Rouge
    • Louisiana

  • Typical household income

    $84,480a year

    34% above the parish

    39% above Louisiana

    • Zachary
    • East Baton Rouge
    • Louisiana

  • Households that own their home

    80%

    20 points above the parish

    12 points above Louisiana

    • Zachary
    • East Baton Rouge
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$266,070
1.2% more than 12 months ago
Typical rent
$1,690 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).

Zachary is in East Baton Rouge 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 East Baton Rouge Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Zachary apart

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

  1. Nearby, in Merrydale, the typical home value is $136,100: 47% less than in Zachary ($259,100).

  2. 80% of households in Zachary own their home, against 59% in East Baton Rouge Parish.

  3. Zachary has the 4th highest typical rent of the 92 cities in Louisiana with more than 5,000 people ($1,527).

  4. Nearby, in Baker, the typical rent is $993: 35% less than in Zachary ($1,527).

  5. The typical household income in Zachary is $84,480, 34% more than in East Baton Rouge Parish as a whole ($63,071).

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

The homes here

Housing in Zachary

What homes there are in Zachary, 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, standing on their own, make up 80% of homes here, against 62% in East Baton Rouge Parish.

Year built

Homes in Zachary are newer: the typical year built is 2003; in East Baton Rouge Parish, 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

By price, most homes in Zachary sit under the FHA limit for East Baton Rouge Parish ($541,287): about 95%.

Monthly rent with utilities

With a mortgage

$1,850 a month

East Baton Rouge Parish: $1,703 a month

Without a mortgage

$550 a month

East Baton Rouge Parish: $533 a month

Owners with a mortgage

76%

East Baton Rouge Parish: 61%

The typical cost for an owner with a mortgage in Zachary is $1,850 a month, more than in East Baton Rouge Parish ($1,703); without one, $550.

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, the typical home value in Zachary rose 15%; in East Baton Rouge Parish, it rose 28%.

Since 2015–2019, the typical rent in Zachary rose 39%, more than in East Baton Rouge Parish (23%).

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

MeasureZacharyEast Baton Rouge ParishLouisianaUnited States
Rental vacancy Unreliable estimate11.1%7.8%5.5%
Homeowner vacancy Unreliable estimate1.6%1.3%0.9%
More than one person per room Unreliable estimate2.4%2.3%3.4%
People per household 2.592.472.492.53
Drive alone 85%77%79%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%9%8%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Zachary look like those in East Baton Rouge Parish: 2.59 people on average.

To get to work, 85% of workers in Zachary drive alone; in East Baton Rouge Parish, 77%.

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 Zachary?

A typical home is tight for the typical income

We start with a typical home in Zachary, worth $259,100, 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 Zachary, which is $84,480 a year. For that payment to be 28% of income, a household would need to earn about $90,340 a year.

The calculator's FHA and conventional loan limits are those of all of East Baton Rouge Parish.

Your numbers

Local data
$

Starts at the typical home value in Zachary. 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 $9,069 (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

$2,108

at 7.18% · 30 years

Loan amount
$254,407
Total interest
$366,031
Paid off in
November 2056

Includes $4,376 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,971 a month

  • Tight

    $1,971 to $2,534 a month

    Your payment · 30%

  • Hard

    more than $2,534 a month

Compared with the typical household income in Zachary ($84,480 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,108
Principal & interest$1,723
Property tax$162
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,069 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

Zachary and East Baton Rouge Parish

Zachary is in East Baton Rouge 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).

Zachary's own numbers

Typical home value
$259,100
Typical monthly rent
$1,527
Typical yearly household income
$84,480
Households that own their home
80%
Effective property tax rate
0.75%

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

Numbers for all of East Baton Rouge Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,149
Price change over 5 years (FHFA)
+23%
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 East Baton Rouge Parish.

Everything about East Baton Rouge Parish

Buying

Buying a home in Zachary

A typical home in Zachary is worth $259,100: 4% above the parish and 20% above Louisiana. With the typical household income in Zachary ($84,480 a year), a typical home costs 3.1 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.

  • Zachary 3.1 years
  • East Baton Rouge 3.9 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in East Baton Rouge Parish

According to FHFA’s house price index, home prices in East Baton Rouge Parish rose 42% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) +2.9% +1.8% +2.9%
5 years (2020–2025) +23% +22% +47%
10 years (2015–2025) +42% +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

Zachary next to East Baton Rouge 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
  • Zachary $259,100
  • East Baton Rouge $248,800
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Zachary $1,527
  • East Baton Rouge $1,147
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Zachary $84,480
  • East Baton Rouge $63,071
  • Louisiana $60,756
  • United States $80,734
See the full table
Zachary next to East Baton Rouge Parish and Louisiana
Measure Zachary East Baton Rouge Parish Louisiana U.S.
Typical home value $259,100 $248,800 $216,500 $332,700
Typical monthly rent $1,527 $1,147 $1,064 $1,413
Typical yearly household income $84,480 $63,071 $60,756 $80,734
Households that own their home 80% 59% 67% 65%
Typical yearly property tax $1,943 $1,656 $1,180 $3,119
Effective property tax rate 0.75% 0.67% 0.55% 0.94%
Renters with high rent for their income 58% 57% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below East Baton Rouge 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 Zachary

For a typical $259,100 home in Zachary, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Zachary's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,108a month

    Least cash to close
    Down payment
    $9,069
    Cash to close
    $16,842
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,060a month

    Down payment
    $12,955
    Cash to close
    $20,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,674a month

    Down payment
    $51,820
    Cash to close
    $59,593
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,914a month

    Down payment
    $38,865
    Cash to close
    $46,638
    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 Zachary and for East Baton Rouge Parish.

Property tax

Effective rate in Zachary

0.75%of the home’s value each year

$1,943 a year for the typical owner in Zachary.

  • Zachary 0.75%
  • East Baton Rouge 0.67%
  • 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 East Baton Rouge Parish

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

Homes in the high-risk zone
19%
28,633
Of those, with NFIP insurance
57%
Parish Louisiana U.S.
Homes in the high-risk zone 19% 15% 3.5%
Of those, with NFIP insurance 57% 73% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Zachary

Typical rent in Zachary is $1,527 a month: 33% above the parish. In Zachary, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of East Baton Rouge Parish, by unit size. To pay the 2-bedroom one ($1,149 a month) without spending more than 30% of your income, you would need to earn $22.10 an hour working full time.

HUD fair market rent for all of East Baton Rouge 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 $992 $19.08 $39,680
1 bedroom $1,014 $19.50 $40,560
2 bedrooms $1,149 $22.10 $45,960
3 bedrooms $1,456 $28.00 $58,240
4 bedrooms $1,842 $35.42 $73,680

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 Zachary

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zachary is in ZIP code 70791.

For 2 bedrooms it is $1,430: $281 more than the fair market rent for East Baton Rouge Parish ($1,149).

  • 70791 $1,430$1,810

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

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 are 4 HUD-approved agencies with an office in East Baton Rouge Parish; 1 says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Zachary

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

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

  • Mid City Redevelopment Alliance

    419 N 19th St, Baton Rouge · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (225) 346-1000

  • Urban Restoration Enhancement Corporation

    7732 Goodwood Blvd, Baton Rouge · 16 miles away

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    225-356-8871-210

  • Louisiana Housing Corporation

    2415 Quail Dr, Baton Rouge · 18 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (225) 763-8654

Every agency in East Baton Rouge Parish All counseling agencies in Louisiana

Help in Spanish near Zachary

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 Zachary

In HUD’s record, no housing authority with an office in East Baton Rouge Parish is named for Zachary or East Baton Rouge Parish.

2 other authorities have an office in East Baton Rouge Parish: see the list Source: HUD

Cities

Other cities in East Baton Rouge Parish

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

Everything about East Baton Rouge Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If East Baton Rouge 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 Zachary.

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

Questions

Housing questions about Zachary

Short answers with the numbers for Zachary and all of East Baton Rouge 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 Zachary?

The typical home value in Zachary is $259,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in East Baton Rouge Parish it is $248,800.

How much does it cost to rent in Zachary?

Typical rent in Zachary is $1,527 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in East Baton Rouge Parish is $1,149.

What is the FHA loan limit in Zachary?

Zachary uses the FHA limit for all of East Baton Rouge 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 Zachary?

The typical homeowner in Zachary pays $1,943 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in East Baton Rouge Parish, the rate is 0.67%.

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

There are 4 HUD-approved counseling agencies with an office in East Baton Rouge Parish. 1 says it serves in Spanish. 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).