Total monthly cost of ownership
Cost to Own a Home in Arcadia, Louisiana
A $87,000 home here costs
$810per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $363 higher every month — 81% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Arcadia against Bienville Parish and Louisiana
| Measure | Arcadia | Bienville Parish |
|---|---|---|
| Median home value | $87,100 | $93,600 |
| Median property tax | $199 | $299 |
| Effective tax rate | 0.228% | 0.319% |
| Median gross rent | $711 | $600 |
| Population | 2,682 | 12,769 |
The weather behind that power bill
Arcadia sits in Bienville Parish, which averages a high of 93.4°F in its hottest month and a low of 35.9°F in its coldest, with 60.78" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,376 cooling and 2,289 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Bienville Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bienville Parish
Full Bienville Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Arcadia?
A $87,000 home in Arcadia, Louisiana costs approximately $810 per month with 20% down at 6.66%. That is $447 principal and interest, $17 property tax, $79 homeowners insurance, $195 utilities and $73 set aside for maintenance.
What is the property tax rate in Arcadia?
Arcadia has an effective property tax rate of 0.228%, based on a median home value of $87,100 and median real estate taxes of $199. That is lower than the Bienville Parish average of 0.319%.
What is the average home price in Arcadia?
The median owner-occupied home value in Arcadia, Louisiana is $87,100, against $93,600 across Bienville Parish.
Is it cheaper to rent or buy in Arcadia?
Median gross rent in Arcadia is $711 a month, against $810 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Arcadia — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Louisiana.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.