The typical owner-occupied home in Ponchatoula is worth about $200,300, 7% below the Louisiana median of $216,500 and 40% below the national median of $332,700. Owners pay a median $828 a year in property taxes, about 0.41% of their home's value, lower than the Louisiana rate of 0.55%. The median household earns $51,161 a year, so the median home costs 3.9 times the median income (3.6 times for Louisiana). 76% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Ponchatoula at a glance
| Ponchatoula | Louisiana | U.S. | |
|---|---|---|---|
| Median home value | $200,300 | $216,500 | $332,700 |
| Median property tax paid per year | $828 | $1,180 | $3,119 |
| Property tax as a share of value | 0.41% | 0.55% | 0.94% |
| Median household income | $51,161 | $60,756 | $80,734 |
| Homes lived in by their owners | 76% | 67% | 65% |
| Owner homes with a mortgage | 50% | 52% | 61% |
| Median monthly costs, owners with a mortgage | $1,245 | $1,604 | $1,963 |
| Those costs as a share of the owners' income | 18.3% | 20.4% | 21.0% |
| Median rent | $762 | $1,064 | $1,413 |
| Rent as a share of renters' income | 33.1% | 32.8% | 30.6% |
| Median year homes were built | 1988 | 1983 | 1980 |
| Vacant homes | 11.2% | 14.4% | 10.1% |
| Population | 7,808 | 4,611,961 | 334,922,499 |
What a typical home costs per month in Ponchatoula
At this week's average 30-year rate of 7.11%, buying the median Ponchatoula home of $200,300 with 20% down costs about $1,230 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,564, 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 $52,707 for the 20%-down payment. That payment is 29% of the median Ponchatoula household income of $51,161; at that income and 20% down, the 28% guideline points to a home of about $194,000.
The median rent here is $762 a month, so owning the median home costs about $468 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $40,060 |
|---|---|
| Loan amount | $160,240 |
| Principal and interest | $1,078 |
| Property taxes (0.41% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $83 |
| PMI | $0 |
| Total per month | $1,230 |
Change the numbers in the calculator
| Down payment | $7,010 |
|---|---|
| Loan amount | $196,672 |
| Principal and interest | $1,323 |
| Property taxes (0.41% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $83 |
| FHA mortgage insurance | $89 |
| Total per month | $1,564 |
Change the numbers in the calculator
Questions about home buying in Ponchatoula
What is the median home value in Ponchatoula?
About $200,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ponchatoula?
Homeowners pay a median $828 a year, which is about 0.41% 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 Ponchatoula?
For the median home with 20% down at 7.11%, the payment is about $1,230 a month. Keeping that under 28% of gross income takes about $52,707 a year.
More about Ponchatoula
- Mortgage Refinance in Ponchatoula
- Debt Relief in Ponchatoula
- Home Equity Loans in Ponchatoula
- 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