Total monthly cost of ownership
Cost to Own a Home in Gardere, Louisiana
A $251,000 home here costs
$2,045per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,290. The real number is $754 higher every month — 58% 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.
Gardere against East Baton Rouge Parish and Louisiana
| Measure | Gardere | East Baton Rouge Parish |
|---|---|---|
| Median home value | $250,600 | $241,800 |
| Median property tax | $1,478 | $1,547 |
| Effective tax rate | 0.590% | 0.640% |
| Median gross rent | $1,135 | $1,121 |
| Population | 12,130 | 452,821 |
The weather behind that power bill
Gardere sits in East Baton Rouge Parish, which averages a high of 92.2°F in its hottest month and a low of 41.6°F in its coldest, with 61.94" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,818 cooling and 1,534 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for East Baton Rouge Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in East Baton Rouge Parish
Full East Baton Rouge Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Gardere?
A $251,000 home in Gardere, Louisiana costs approximately $2,045 per month with 20% down at 6.66%. That is $1,290 principal and interest, $123 property tax, $227 homeowners insurance, $195 utilities and $209 set aside for maintenance.
What is the property tax rate in Gardere?
Gardere has an effective property tax rate of 0.590%, based on a median home value of $250,600 and median real estate taxes of $1,478. That is lower than the East Baton Rouge Parish average of 0.640%.
What is the average home price in Gardere?
The median owner-occupied home value in Gardere, Louisiana is $250,600, against $241,800 across East Baton Rouge Parish.
Is it cheaper to rent or buy in Gardere?
Median gross rent in Gardere is $1,135 a month, against $2,045 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 Gardere — 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.