LA mortgage rates

Lafayette Parish County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Lafayette Parish County, Louisiana. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Lafayette Parish County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Lafayette Parish County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Lafayette Parish

A local view of the market.

Lafayette Parish, Louisiana, has a dynamic real estate market with a median home price of approximately $279,100 as of October 2024. This represents a 4.6% increase year-over-year, indicating a growing market. Homes in Lafayette typically sell for about $230,000, suggesting a competitive environment for buyers and sellers alike. The parish is home to several notable cities, including Lafayette, the largest city with a population of around 126,000. Other significant cities include Broussard, with a population of approximately 13,000, and Carencro, which has about 9,000 residents. These cities contribute to the vibrant cultural and economic landscape of the parish. Living in Lafayette Parish offers a blend of suburban and rural experiences, with a rich cultural heritage rooted in Cajun and Creole traditions. The area is known for its agriculture and oil industries, providing diverse employment opportunities. The parish attracts new residents due to its affordable housing, cultural festivals, and educational institutions, making it an appealing destination for those seeking a balance of suburban comfort and cultural richness.

County snapshot

Market context.

LA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaHouma-ThibodauxMapped market area
Area code26380CBSA / MSA reference
Featured communityLafayetteFrom the county record
Data year2026Aligned with this limit record
Lafayette
Top cities & communities

Communities to explore.

Lafayette
Questions & Answers

Refinancing in Lafayette Parish County

Common questions about 2026 loan limits and refinancing opportunities in Louisiana.

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