Total monthly cost of ownership
Cost to Own a Home in Luling, Louisiana
A $268,000 home here costs
$2,268per 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 $97,000 a year.
A standard mortgage calculator would have told you $1,461. The real number is $807 higher every month, 55% more than the payment most buyers budget for.
Compare St. Charles 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.
Luling against St. Charles Parish and Louisiana
| Measure | Luling | St. Charles Parish |
|---|---|---|
| Median home value | $268,400 | $256,800 |
| Median property tax | $1,427 | $1,475 |
| Effective tax rate | 0.532% | 0.574% |
| Median gross rent | $1,570 | $1,144 |
| Population | 13,873 | 51,863 |
The weather behind that power bill
Luling sits in St. Charles Parish, which averages a high of 91.4°F in its hottest month and a low of 46.1°F in its coldest, with 63.35" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,206 cooling and 1,176 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for St. Charles Parish , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Charles Parish
Full St. Charles Parish cost breakdown · Every county in Louisiana
Talk to someone who works this market
These are Luling 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 Luling every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Luling I already own here and may sell
Common questions
How much does it cost to own a home in Luling?
A $268,000 home in Luling, Louisiana costs approximately $2,268 per month with 20% down at 7.24%. That is $1,461 principal and interest, $119 property tax, $242 homeowners insurance, $223 utilities and $223 set aside for maintenance.
What is the property tax rate in Luling?
Luling has an effective property tax rate of 0.532%, based on a median home value of $268,400 and median real estate taxes of $1,427. That is lower than the St. Charles Parish average of 0.574%.
What is the average home price in Luling?
The median owner-occupied home value in Luling, Louisiana is $268,400, against $256,800 across St. Charles Parish.
Is it cheaper to rent or buy in Luling?
Median gross rent in Luling is $1,570 a month, against $2,268 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 Luling?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Luling, Louisiana at today's rate takes a household income of roughly $97,000 a year. That covers the full $2,268 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Luling, 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.