Total monthly cost of ownership
Cost to Own a Home in Henderson, Louisiana
A $82,000 home here costs
$776per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $422. The real number is $354 higher every month — 84% 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.
Henderson against St. Martin Parish and Louisiana
| Measure | Henderson | St. Martin Parish |
|---|---|---|
| Median home value | $82,100 | $151,000 |
| Median property tax | $199 | $610 |
| Effective tax rate | 0.242% | 0.404% |
| Median gross rent | $720 | $865 |
| Population | 1,640 | 51,559 |
The weather behind that power bill
Henderson sits in St. Martin 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 $127 electricity line above.
See the full climate breakdown for St. Martin Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Martin Parish
Full St. Martin Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Henderson?
A $82,000 home in Henderson, Louisiana costs approximately $776 per month with 20% down at 6.66%. That is $422 principal and interest, $17 property tax, $74 homeowners insurance, $195 utilities and $68 set aside for maintenance.
What is the property tax rate in Henderson?
Henderson has an effective property tax rate of 0.242%, based on a median home value of $82,100 and median real estate taxes of $199. That is lower than the St. Martin Parish average of 0.404%.
What is the average home price in Henderson?
The median owner-occupied home value in Henderson, Louisiana is $82,100, against $151,000 across St. Martin Parish.
Is it cheaper to rent or buy in Henderson?
Median gross rent in Henderson is $720 a month, against $776 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 Henderson — 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.