Louisiana Mortgage Calculator
Estimate the monthly PITI payment on a Louisiana home. Preseeded with the state’s 0.55% effective property-tax rate, $4,900 average annual insurance, and $210,000 median home price.
Advanced Options
- Principal & Interest
- $1,062
- Property Taxes
- $96
- Home Insurance
- $408
Louisiana Property Tax, Insurance & Home Prices
- Effective property-tax rate
- 0.55%
- Avg annual insurance
- $4,900
- Median home price
- $210,000
Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.
Notable Louisiana Rules
Louisiana has the highest homeowners-insurance premiums in the country (along with Florida) because of hurricane and flood exposure. The state homestead exemption removes the first $75,000 of assessed value from parish (county) taxes. Federal flood insurance via NFIP is mandatory in mapped flood zones.
Mortgage Calculators for Other States
Related Calculators
Current average 30-year and 15-year fixed mortgage rates from Freddie Mac's Primary Mortgage Market Survey (via FRED), updated weekly.
Compare monthly payments across auto and personal loan terms.
Visualize long-term wealth growth with monthly contributions.
Frequently Asked Questions
- Louisiana's statewide effective property-tax rate is approximately 0.55% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.