Total monthly cost of ownership
Cost to Own a Home in Vivian, Louisiana
A $56,000 home here costs
$600per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $288. The real number is $312 higher every month — 108% 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.
Vivian against Caddo Parish and Louisiana
| Measure | Vivian | Caddo Parish |
|---|---|---|
| Median home value | $55,700 | $175,900 |
| Median property tax | $235 | $1,081 |
| Effective tax rate | 0.422% | 0.615% |
| Median gross rent | $706 | $962 |
| Population | 3,020 | 232,973 |
The weather behind that power bill
Vivian sits in Caddo Parish, which averages a high of 95.0°F in its hottest month and a low of 38.8°F in its coldest, with 48.87" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,894 cooling and 1,947 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Caddo Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Caddo Parish
Full Caddo Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Vivian?
A $56,000 home in Vivian, Louisiana costs approximately $600 per month with 20% down at 6.66%. That is $288 principal and interest, $20 property tax, $51 homeowners insurance, $195 utilities and $47 set aside for maintenance.
What is the property tax rate in Vivian?
Vivian has an effective property tax rate of 0.422%, based on a median home value of $55,700 and median real estate taxes of $235. That is lower than the Caddo Parish average of 0.615%.
What is the average home price in Vivian?
The median owner-occupied home value in Vivian, Louisiana is $55,700, against $175,900 across Caddo Parish.
Is it cheaper to rent or buy in Vivian?
Median gross rent in Vivian is $706 a month, against $600 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Vivian — 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.