St. Charles Parish, Louisiana: What It Costs to Buy a Home
The median home in St. Charles Parish is worth $256,800, property taxes on it run about $1,475 a year (0.57%), the FHA loan limit is $541,287, and there is no transfer tax; title insurance on it runs about $1,377. Each number below opens its own page with the source and a calculator.
| Median home value | $256,800 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,475 a year, 0.57% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax | None in Louisiana | Louisiana transfer tax page → |
| Title insurance on the median home | $1,252 owner's + $125 lender's | Title insurance page → |
| Closing costs from these items | $1,377 | Closing costs page → |
| Area median income (HUD, family of 4) | $88,600; low-income limit $70,900 | Income limits page → |
Frequently asked questions
How much do homes cost in St. Charles Parish?
The median owner-occupied home in St. Charles Parish is valued at $256,800, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in St. Charles Parish?
The median St. Charles Parish homeowner pays $1,475 a year in real estate taxes, about 0.57% of the median home value ($1,564 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in St. Charles Parish?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in St. Charles Parish?
On the $256,800 median home: no transfer tax in Louisiana, title insurance $1,377 for both policies, about $1,377 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in St. Charles Parish?
HUD's FY 2026 median family income for St. Charles Parish (New Orleans-Metairie, LA HUD Metro FMR Area) is $88,600. A family of four counts as low income below $70,900 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Louisiana counties
- Richland Parish $124,500
- Sabine Parish $129,400
- St. Bernard Parish $192,100
- St. Helena Parish $106,400
- St. James Parish $197,800
- St. John the Baptist Parish $184,000
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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