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St. James Parish Mortgage Calculator

Estimate your true cost of homeownership in St. James Parish with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,742
P&I Payment$1,272
Taxes & Ins$300
Utilities$171
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Mortgage Details

$239,864
Local Median: $239,864
$47,973 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,742

Monthly Breakdown

Principal & Interest
$1,272
Property Taxes
$91
Homeowners Ins.
$209
Utilities
$171

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$266,036

Local Housing Facts for St. James Parish

  • ·Median home value: $239,864 (adjusted for current market conditions)
  • ·Est. property taxes: $1,087/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $2,509/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,049/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in St. James Parish?

Based on the local median home value, estimated real estate property taxes in St. James Parish are around $1,087 per year.

What is the average home price in St. James Parish?

The median home value in St. James Parish is currently estimated at $239,864.

How much does homeowners insurance cost in St. James Parish?

For a median priced home, homeowners insurance in St. James Parish averages around $2,509 annually.

What is the true total cost of owning a home in St. James Parish?

True homeownership costs go beyond principal and interest. In St. James Parish, a typical homeowner with a median-priced home of $239,864 can expect to pay roughly $1,087/yr in property taxes, $2,509/yr for homeowners insurance, and $2,049/yr in energy utilities. That adds approximately $470 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.