Total monthly cost of ownership
Cost to Own a Home in Ball, Louisiana
A $176,000 home here costs
$1,482per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $905. The real number is $577 higher every month — 64% 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.
Ball against Rapides Parish and Louisiana
| Measure | Ball | Rapides Parish |
|---|---|---|
| Median home value | $176,400 | $179,100 |
| Median property tax | $921 | $1,024 |
| Effective tax rate | 0.522% | 0.572% |
| Median gross rent | $1,055 | $942 |
| Population | 3,900 | 128,470 |
The weather behind that power bill
Ball sits in Rapides Parish, which averages a high of 93.5°F in its hottest month and a low of 38.9°F in its coldest, with 54.55" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,619 cooling and 1,892 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Rapides Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rapides Parish
Full Rapides Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Ball?
A $176,000 home in Ball, Louisiana costs approximately $1,482 per month with 20% down at 6.66%. That is $905 principal and interest, $77 property tax, $159 homeowners insurance, $195 utilities and $147 set aside for maintenance.
What is the property tax rate in Ball?
Ball has an effective property tax rate of 0.522%, based on a median home value of $176,400 and median real estate taxes of $921. That is lower than the Rapides Parish average of 0.572%.
What is the average home price in Ball?
The median owner-occupied home value in Ball, Louisiana is $176,400, against $179,100 across Rapides Parish.
Is it cheaper to rent or buy in Ball?
Median gross rent in Ball is $1,055 a month, against $1,482 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 Ball — 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.