Total monthly cost of ownership
Cost to Own a Home in St. Gabriel, Louisiana
A $248,000 home here costs
$2,052per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,275. The real number is $777 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.
St. Gabriel against Iberville Parish and Louisiana
| Measure | St. Gabriel | Iberville Parish |
|---|---|---|
| Median home value | $248,100 | $177,100 |
| Median property tax | $1,819 | $581 |
| Effective tax rate | 0.733% | 0.328% |
| Median gross rent | $868 | $817 |
| Population | 6,569 | 29,950 |
The weather behind that power bill
St. Gabriel sits in Iberville Parish, which averages a high of 91.8°F in its hottest month and a low of 39.6°F in its coldest, with 64.46" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,563 cooling and 1,692 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Iberville Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Iberville Parish
Full Iberville Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in St. Gabriel?
A $248,000 home in St. Gabriel, Louisiana costs approximately $2,052 per month with 20% down at 6.66%. That is $1,275 principal and interest, $151 property tax, $224 homeowners insurance, $195 utilities and $207 set aside for maintenance.
What is the property tax rate in St. Gabriel?
St. Gabriel has an effective property tax rate of 0.733%, based on a median home value of $248,100 and median real estate taxes of $1,819. That is higher than the Iberville Parish average of 0.328%.
What is the average home price in St. Gabriel?
The median owner-occupied home value in St. Gabriel, Louisiana is $248,100, against $177,100 across Iberville Parish.
Is it cheaper to rent or buy in St. Gabriel?
Median gross rent in St. Gabriel is $868 a month, against $2,052 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 St. Gabriel — 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.