Total monthly cost of ownership
Cost to Own a Home in Garyville, Louisiana
A $144,000 home here costs
$1,339per 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 $57,500 a year.
A standard mortgage calculator would have told you $785. The real number is $554 higher every month, 71% more than the payment most buyers budget for.
Compare St. John the Baptist Parish with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Garyville from a five-year rolling sample, and with about 2,216 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. John the Baptist 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.
Garyville against St. John the Baptist Parish and Louisiana
| Measure | Garyville | St. John the Baptist Parish |
|---|---|---|
| Median home value | $144,400 | $184,000 |
| Median property tax | $981 | $829 |
| Effective tax rate | 0.679% | 0.451% |
| Median gross rent | — | $1,118 |
| Population | 2,216 | 41,342 |
The weather behind that power bill
Garyville sits in St. John the Baptist Parish, which averages a high of 91.6°F in its hottest month and a low of 42.9°F in its coldest, with 67.21" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,870 cooling and 1,342 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for St. John the Baptist Parish , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. John the Baptist Parish
Full St. John the Baptist Parish cost breakdown · Every county in Louisiana
Talk to someone who works this market
These are Garyville 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 Garyville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Garyville I already own here and may sell
Common questions
How much does it cost to own a home in Garyville?
A $144,000 home in Garyville, Louisiana costs approximately $1,339 per month with 20% down at 7.24%. That is $785 principal and interest, $81 property tax, $130 homeowners insurance, $223 utilities and $120 set aside for maintenance.
What is the property tax rate in Garyville?
Garyville has an effective property tax rate of 0.679%, based on a median home value of $144,400 and median real estate taxes of $981. That is higher than the St. John the Baptist Parish average of 0.451%.
What is the average home price in Garyville?
The median owner-occupied home value in Garyville, Louisiana is $144,400, against $184,000 across St. John the Baptist Parish.
Is it cheaper to rent or buy in Garyville?
Rent data is not published for Garyville at this level of detail.
What salary do you need to buy a home in Garyville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Garyville, Louisiana at today's rate takes a household income of roughly $57,500 a year. That covers the full $1,339 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Garyville, 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.