The typical owner-occupied home in St. Charles Parish is worth about $263,700, 22% above the Louisiana median of $216,500 and 21% below the national median of $332,700. Owners pay a median $1,562 a year in property taxes, about 0.59% of their home's value, higher than the Louisiana rate of 0.55%. The median household earns $80,897 a year, so the median home costs 3.3 times the median income (3.6 times for Louisiana). 82% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
St. Charles Parish at a glance
| St. Charles Parish | Louisiana | U.S. | |
|---|---|---|---|
| Median home value | $263,700 | $216,500 | $332,700 |
| Median property tax paid per year | $1,562 | $1,180 | $3,119 |
| Property tax as a share of value | 0.59% | 0.55% | 0.94% |
| Median household income | $80,897 | $60,756 | $80,734 |
| Homes lived in by their owners | 82% | 67% | 65% |
| Owner homes with a mortgage | 60% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,818 | $1,604 | $1,963 |
| Those costs as a share of the owners' income | 20.0% | 20.4% | 21.0% |
| Median rent | $1,210 | $1,064 | $1,413 |
| Rent as a share of renters' income | 40.8% | 32.8% | 30.6% |
| Median year homes were built | 1986 | 1983 | 1980 |
| Vacant homes | 10.1% | 14.4% | 10.1% |
| Population | 51,396 | 4,611,961 | 334,922,499 |
What a typical home costs per month in St. Charles Parish
At this week's average 30-year rate of 7.11%, buying the median St. Charles Parish home of $263,700 with 20% down costs about $1,659 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,098, 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 $71,086 for the 20%-down payment. That payment is 25% of the median St. Charles Parish household income of $80,897; at that income and 20% down, the 28% guideline points to a home of about $300,000.
The median rent here is $1,210 a month, so owning the median home costs about $449 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $52,740 |
|---|---|
| Loan amount | $210,960 |
| Principal and interest | $1,419 |
| Property taxes (0.59% a year) | $130 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| PMI | $0 |
| Total per month | $1,659 |
Change the numbers in the calculator
| Down payment | $9,230 |
|---|---|
| Loan amount | $258,924 |
| Principal and interest | $1,742 |
| Property taxes (0.59% a year) | $130 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| FHA mortgage insurance | $117 |
| Total per month | $2,098 |
Change the numbers in the calculator
Questions about home buying in St. Charles Parish
What is the median home value in St. Charles Parish?
About $263,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in St. Charles Parish?
Homeowners pay a median $1,562 a year, which is about 0.59% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in St. Charles Parish?
For the median home with 20% down at 7.11%, the payment is about $1,659 a month. Keeping that under 28% of gross income takes about $71,086 a year.
More about St. Charles Parish
- Mortgage Refinance in St. Charles Parish
- Debt Relief in St. Charles Parish
- Home Equity Loans in St. Charles Parish
- 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