Total monthly cost of ownership
Cost to Own a Home in Montz, Louisiana
A $289,000 home here costs
$2,358per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,486. The real number is $873 higher every month — 59% 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.
Montz against St. Charles Parish and Louisiana
| Measure | Montz | St. Charles Parish |
|---|---|---|
| Median home value | $288,900 | $256,800 |
| Median property tax | $2,108 | $1,475 |
| Effective tax rate | 0.730% | 0.574% |
| Median gross rent | — | $1,144 |
| Population | 2,192 | 51,863 |
The weather behind that power bill
Montz 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 $127 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
Common questions
How much does it cost to own a home in Montz?
A $289,000 home in Montz, Louisiana costs approximately $2,358 per month with 20% down at 6.66%. That is $1,486 principal and interest, $176 property tax, $261 homeowners insurance, $195 utilities and $241 set aside for maintenance.
What is the property tax rate in Montz?
Montz has an effective property tax rate of 0.730%, based on a median home value of $288,900 and median real estate taxes of $2,108. That is higher than the St. Charles Parish average of 0.574%.
What is the average home price in Montz?
The median owner-occupied home value in Montz, Louisiana is $288,900, against $256,800 across St. Charles Parish.
Is it cheaper to rent or buy in Montz?
Rent data is not published for Montz at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Montz — 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.