Total monthly cost of ownership
Cost to Own a Home in Sunset, Louisiana
A $199,000 home here costs
$1,611per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,023. The real number is $588 higher every month — 57% 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.
Sunset against St. Landry Parish and Louisiana
| Measure | Sunset | St. Landry Parish |
|---|---|---|
| Median home value | $199,400 | $142,900 |
| Median property tax | $568 | $425 |
| Effective tax rate | 0.285% | 0.297% |
| Median gross rent | $860 | $742 |
| Population | 3,026 | 82,128 |
The weather behind that power bill
Sunset sits in St. Landry Parish, which averages a high of 92.0°F in its hottest month and a low of 41.4°F in its coldest, with 61.63" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,698 cooling and 1,467 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for St. Landry Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Landry Parish
Full St. Landry Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Sunset?
A $199,000 home in Sunset, Louisiana costs approximately $1,611 per month with 20% down at 6.66%. That is $1,023 principal and interest, $47 property tax, $180 homeowners insurance, $195 utilities and $166 set aside for maintenance.
What is the property tax rate in Sunset?
Sunset has an effective property tax rate of 0.285%, based on a median home value of $199,400 and median real estate taxes of $568. That is lower than the St. Landry Parish average of 0.297%.
What is the average home price in Sunset?
The median owner-occupied home value in Sunset, Louisiana is $199,400, against $142,900 across St. Landry Parish.
Is it cheaper to rent or buy in Sunset?
Median gross rent in Sunset is $860 a month, against $1,611 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 Sunset — 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.