CALCMONEY // MORTGAGE // LA
Calculate your monthly mortgage payment using Louisiana-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$217,092
6.76%
0.55%
3% flat
How today's 6.76% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.76% | — |
| 2024 avg | 7.18% | -0.42% |
| 2023 avg | 7.61% | -0.85% |
| 2022 peak | 7.44% | -0.68% |
| 2021 avg | 3.36% | +3.40% |
| 2020 avg | 3.16% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Louisiana market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $1,128 |
| Property Tax | $100 |
| Homeowners Insurance (est.) | $72 |
| Total Monthly Payment (PITI) | $1,299 |
$43,418
$232,262
$55,691/yr
The median home price in Louisiana is $217,092, 48% below the $420,000 national median. With a median household income of $60,986, the price-to-income ratio is 3.6x.
Property taxes in Louisiana average 0.55% of assessed value, below the 1.1% national average. On the median home, that's $1,194 a year, or $100 added to the monthly payment.
Louisiana levies a state income tax of 3% flat on top of the $1,299/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Day-to-day expenses statewide track at 93 against the national 100 baseline, below average once you look past the mortgage payment itself.
Louisiana's median home price runs 3% lower than Oklahoma: $223,612 there versus $217,092 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $173,674 loan saves $7,815 in interest over 30 years.
Compare Top Louisiana Mortgage LendersOklahoma
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