LA mortgage rates

St. Bernard Parish County

Clear, current 2026 mortgage and refinance loan limits for homeowners in St. Bernard 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

St. Bernard 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 St. Bernard 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 St. Bernard Parish

A local view of the market.

The real estate market in St. Bernard Parish, Louisiana, has seen some fluctuations recently. As of the latest data, the median home value in the parish is approximately $204,049, which represents a decrease of 4.6% over the past year. However, home prices have also been reported to have increased by 7.2% compared to the previous year, with a median sale price of $260,000. St. Bernard Parish includes several notable communities, with Chalmette being the largest and most well-known. Chalmette has a population of approximately 22,000 residents and serves as the parish seat. Another significant community is Arabi, which is located closer to New Orleans and has a population of around 4,500 people. These communities are key residential areas within the parish, offering a mix of suburban and small-town living. Living in St. Bernard Parish offers a blend of suburban and rural experiences. The area is characterized by its proximity to New Orleans, providing easy access to urban amenities while maintaining a quieter, more laid-back lifestyle. The parish has a strong agricultural presence, with fishing and seafood industries playing a significant role in the local economy. Many residents are drawn to the parish for its affordable housing and the appeal of a close-knit community, making it an attractive option for those looking to escape the hustle and bustle of city life while still being within reach of New Orleans.

County snapshot

Market context.

LA

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

Market areaNew Orleans-MetairieMapped market area
Area code35380CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in St. Bernard Parish County

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

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