Total monthly cost of ownership
Cost to Own a Home in Gardere, Louisiana
A $251,000 home here costs
$2,150per 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 $92,000 a year.
A standard mortgage calculator would have told you $1,368. The real number is $782 higher every month, 57% more than the payment most buyers budget for.
Compare East Baton Rouge Parish with anywhere in America · full county breakdown
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 $155 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
Talk to someone who works this market
These are Gardere 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 Gardere every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Gardere I already own here and may sell
Common questions
How much does it cost to own a home in Gardere?
A $251,000 home in Gardere, Louisiana costs approximately $2,150 per month with 20% down at 7.24%. That is $1,368 principal and interest, $123 property tax, $227 homeowners insurance, $223 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 $2,150 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 Gardere?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Gardere, Louisiana at today's rate takes a household income of roughly $92,000 a year. That covers the full $2,150 monthly cost, not just the mortgage payment.
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.