The typical owner-occupied home in Amelia is worth about $87,500, 60% below the Louisiana median of $216,500 and 74% below the national median of $332,700. The median household earns $55,472 a year, so the median home costs 1.6 times the median income (3.6 times for Louisiana). 80% of occupied homes here are lived in by their owners, and 16% of those owners still have a mortgage.
Amelia at a glance
| Amelia | Louisiana | U.S. | |
|---|---|---|---|
| Median home value | $87,500 | $216,500 | $332,700 |
| Median property tax paid per year | – | $1,180 | $3,119 |
| Median household income | $55,472 | $60,756 | $80,734 |
| Homes lived in by their owners | 80% | 67% | 65% |
| Owner homes with a mortgage | 16% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,219 | $1,604 | $1,963 |
| Those costs as a share of the owners' income | 27.9% | 20.4% | 21.0% |
| Median rent | $583 | $1,064 | $1,413 |
| Rent as a share of renters' income | 28.0% | 32.8% | 30.6% |
| Median year homes were built | 1980 | 1983 | 1980 |
| Vacant homes | 23.1% | 14.4% | 10.1% |
| Population | 1,712 | 4,611,961 | 334,922,499 |
What a typical home costs per month in Amelia
At this week's average 30-year rate of 7.11%, buying the median Amelia home of $87,500 with 20% down costs about $588 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $733, 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 $25,181 for the 20%-down payment. That payment is 13% of the median Amelia household income of $55,472; at that income and 20% down, the 28% guideline points to a home of about $193,000.
The median rent here is $583 a month, so owning the median home costs about $5 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $17,500 |
|---|---|
| Loan amount | $70,000 |
| Principal and interest | $471 |
| Property taxes (1.10% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| PMI | $0 |
| Total per month | $588 |
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| Down payment | $3,062 |
|---|---|
| Loan amount | $85,915 |
| Principal and interest | $578 |
| Property taxes (1.10% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| FHA mortgage insurance | $39 |
| Total per month | $733 |
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Questions about home buying in Amelia
What is the median home value in Amelia?
About $87,500 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 Amelia?
For the median home with 20% down at 7.11%, the payment is about $588 a month. Keeping that under 28% of gross income takes about $25,181 a year.
More about Amelia
- Mortgage Refinance in Amelia
- Debt Relief in Amelia
- Home Equity Loans in Amelia
- 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