The typical owner-occupied home in Lydia is worth about $142,600, 34% below the Louisiana median of $216,500 and 57% below the national median of $332,700. The median household earns $93,229 a year, so the median home costs 1.5 times the median income (3.6 times for Louisiana). 76% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Lydia at a glance
| Lydia | Louisiana | U.S. | |
|---|---|---|---|
| Median home value | $142,600 | $216,500 | $332,700 |
| Median property tax paid per year | – | $1,180 | $3,119 |
| Median household income | $93,229 | $60,756 | $80,734 |
| Homes lived in by their owners | 76% | 67% | 65% |
| Owner homes with a mortgage | 36% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,632 | $1,604 | $1,963 |
| Those costs as a share of the owners' income | 19.3% | 20.4% | 21.0% |
| Median rent | – | $1,064 | $1,413 |
| Median year homes were built | 1983 | 1983 | 1980 |
| Vacant homes | 11.3% | 14.4% | 10.1% |
| Population | 713 | 4,611,961 | 334,922,499 |
What a typical home costs per month in Lydia
At this week's average 30-year rate of 7.11%, buying the median Lydia home of $142,600 with 20% down costs about $958 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,195, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $41,038 for the 20%-down payment. That payment is 12% of the median Lydia household income of $93,229; at that income and 20% down, the 28% guideline points to a home of about $324,000.
| Down payment | $28,520 |
|---|---|
| Loan amount | $114,080 |
| Principal and interest | $767 |
| Property taxes (1.10% a year) | $131 |
| Homeowners insurance (our estimate, 0.5% a year) | $59 |
| PMI | $0 |
| Total per month | $958 |
Change the numbers in the calculator
| Down payment | $4,991 |
|---|---|
| Loan amount | $140,017 |
| Principal and interest | $942 |
| Property taxes (1.10% a year) | $131 |
| Homeowners insurance (our estimate, 0.5% a year) | $59 |
| FHA mortgage insurance | $63 |
| Total per month | $1,195 |
Change the numbers in the calculator
Questions about home buying in Lydia
What is the median home value in Lydia?
About $142,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Lydia?
For the median home with 20% down at 7.11%, the payment is about $958 a month. Keeping that under 28% of gross income takes about $41,038 a year.
More about Lydia
- Mortgage Refinance in Lydia
- Debt Relief in Lydia
- Home Equity Loans in Lydia
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data