Safe Rate Local

St. James Parish Mortgage Calculator

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

← Back to St. James Parish Hub
Est. Total Monthly Cost
$1,794
P&I Payment$1,295
Taxes & Ins$300
Utilities$200

Mortgage Details

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

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for St. James Parish using Safe Rate's engine.

Monthly$1,794

Monthly Breakdown

Principal & Interest
$1,295
Property Taxes
$91
Homeowners Ins.
$209
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$274,219

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: $2,400/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 $2,400/yr in energy utilities. That adds approximately $500 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.