Total monthly cost of ownership
Cost to Own a Home in Bayou Vista, Louisiana
A $153,000 home here costs
$1,393per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $59,500 a year.
A standard mortgage calculator would have told you $834. The real number is $559 higher every month, 67% more than the payment most buyers budget for.
Compare St. Mary Parish with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Bayou Vista from a five-year rolling sample, and with about 3,931 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The St. Mary Parish figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bayou Vista against St. Mary Parish and Louisiana
| Measure | Bayou Vista | St. Mary Parish |
|---|---|---|
| Median home value | $152,700 | $128,000 |
| Median property tax | $843 | $515 |
| Effective tax rate | 0.552% | 0.402% |
| Median gross rent | $928 | $839 |
| Population | 3,931 | 48,455 |
The weather behind that power bill
Bayou Vista sits in St. Mary Parish, which averages a high of 90.1°F in its hottest month and a low of 42.5°F in its coldest, with 66.79" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,558 cooling and 1,509 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for St. Mary Parish , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Mary Parish
Full St. Mary Parish cost breakdown · Every county in Louisiana
Talk to someone who works this market
These are Bayou Vista averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Bayou Vista every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Bayou Vista I already own here and may sell
Common questions
How much does it cost to own a home in Bayou Vista?
A $153,000 home in Bayou Vista, Louisiana costs approximately $1,393 per month with 20% down at 7.24%. That is $834 principal and interest, $70 property tax, $138 homeowners insurance, $223 utilities and $128 set aside for maintenance.
What is the property tax rate in Bayou Vista?
Bayou Vista has an effective property tax rate of 0.552%, based on a median home value of $152,700 and median real estate taxes of $843. That is higher than the St. Mary Parish average of 0.402%.
What is the average home price in Bayou Vista?
The median owner-occupied home value in Bayou Vista, Louisiana is $152,700, against $128,000 across St. Mary Parish.
Is it cheaper to rent or buy in Bayou Vista?
Median gross rent in Bayou Vista is $928 a month, against $1,393 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Bayou Vista?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Bayou Vista, Louisiana at today's rate takes a household income of roughly $59,500 a year. That covers the full $1,393 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bayou Vista, 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.