Total monthly cost of ownership
Cost to Own a Home in Lutcher, Louisiana
A $190,000 home here costs
$1,575per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $977. The real number is $598 higher every month — 61% 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.
Lutcher against St. James Parish and Louisiana
| Measure | Lutcher | St. James Parish |
|---|---|---|
| Median home value | $190,300 | $197,800 |
| Median property tax | $878 | $1,043 |
| Effective tax rate | 0.461% | 0.527% |
| Median gross rent | — | $821 |
| Population | 3,051 | 19,797 |
The weather behind that power bill
Lutcher sits in St. James 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 $127 electricity line above.
See the full climate breakdown for St. James Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. James Parish
Full St. James Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Lutcher?
A $190,000 home in Lutcher, Louisiana costs approximately $1,575 per month with 20% down at 6.66%. That is $977 principal and interest, $73 property tax, $171 homeowners insurance, $195 utilities and $158 set aside for maintenance.
What is the property tax rate in Lutcher?
Lutcher has an effective property tax rate of 0.461%, based on a median home value of $190,300 and median real estate taxes of $878. That is lower than the St. James Parish average of 0.527%.
What is the average home price in Lutcher?
The median owner-occupied home value in Lutcher, Louisiana is $190,300, against $197,800 across St. James Parish.
Is it cheaper to rent or buy in Lutcher?
Rent data is not published for Lutcher at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Lutcher — 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.