Total monthly cost of ownership
Cost to Own a Home in St. Francisville, Louisiana
A $271,000 home here costs
$2,277per 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 $97,500 a year.
A standard mortgage calculator would have told you $1,477. The real number is $799 higher every month, 54% more than the payment most buyers budget for.
Compare West Feliciana Parish with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for St. Francisville from a five-year rolling sample, and with about 1,781 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The West Feliciana Parish figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
St. Francisville against West Feliciana Parish and Louisiana
| Measure | St. Francisville | West Feliciana Parish |
|---|---|---|
| Median home value | $270,900 | $263,200 |
| Median property tax | $1,275 | $1,359 |
| Effective tax rate | 0.471% | 0.516% |
| Median gross rent | $938 | $998 |
| Population | 1,781 | 15,381 |
The weather behind that power bill
St. Francisville sits in West Feliciana Parish, which averages a high of 92.4°F in its hottest month and a low of 41.9°F in its coldest, with 58.54" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,940 cooling and 1,522 heating degree days, which is what sets the $155 electricity line above.
See the full climate breakdown for West Feliciana Parish , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in West Feliciana Parish
No other places of this size are published in West Feliciana Parish.
Full West Feliciana Parish cost breakdown · Every county in Louisiana
Talk to someone who works this market
These are St. Francisville 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 St. Francisville every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in St. Francisville?
A $271,000 home in St. Francisville, Louisiana costs approximately $2,277 per month with 20% down at 7.24%. That is $1,477 principal and interest, $106 property tax, $245 homeowners insurance, $223 utilities and $226 set aside for maintenance.
What is the property tax rate in St. Francisville?
St. Francisville has an effective property tax rate of 0.471%, based on a median home value of $270,900 and median real estate taxes of $1,275. That is lower than the West Feliciana Parish average of 0.516%.
What is the average home price in St. Francisville?
The median owner-occupied home value in St. Francisville, Louisiana is $270,900, against $263,200 across West Feliciana Parish.
Is it cheaper to rent or buy in St. Francisville?
Median gross rent in St. Francisville is $938 a month, against $2,277 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 St. Francisville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in St. Francisville, Louisiana at today's rate takes a household income of roughly $97,500 a year. That covers the full $2,277 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Francisville, 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.