Total monthly cost of ownership
Cost to Own a Home in Natchitoches, Louisiana
A $188,000 home here costs
$1,551per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $967. The real number is $584 higher every month — 60% 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.
Natchitoches against Natchitoches Parish and Louisiana
| Measure | Natchitoches | Natchitoches Parish |
|---|---|---|
| Median home value | $188,400 | $163,000 |
| Median property tax | $751 | $766 |
| Effective tax rate | 0.399% | 0.470% |
| Median gross rent | $777 | $767 |
| Population | 17,682 | 37,047 |
The weather behind that power bill
Natchitoches sits in Natchitoches Parish, which averages a high of 95.7°F in its hottest month and a low of 39.2°F in its coldest, with 55.93" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 3,012 cooling and 1,782 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Natchitoches Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Natchitoches Parish
Full Natchitoches Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Natchitoches?
A $188,000 home in Natchitoches, Louisiana costs approximately $1,551 per month with 20% down at 6.66%. That is $967 principal and interest, $63 property tax, $170 homeowners insurance, $195 utilities and $157 set aside for maintenance.
What is the property tax rate in Natchitoches?
Natchitoches has an effective property tax rate of 0.399%, based on a median home value of $188,400 and median real estate taxes of $751. That is lower than the Natchitoches Parish average of 0.470%.
What is the average home price in Natchitoches?
The median owner-occupied home value in Natchitoches, Louisiana is $188,400, against $163,000 across Natchitoches Parish.
Is it cheaper to rent or buy in Natchitoches?
Median gross rent in Natchitoches is $777 a month, against $1,551 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 Natchitoches — 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.