LA mortgage rates

St. Charles Parish County

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

A local view of the market.

The real estate market in St. Charles Parish, Louisiana, has seen a slight decline in home values, with the average home value currently at $243,282, marking a 2.3% decrease over the past year. However, the median sale price of homes in the parish was $289,000 in September 2024, reflecting a modest increase of 0.4% from the previous year. St. Charles Parish includes several notable communities, with Luling and Destrehan being among the largest. Luling has a population of approximately 13,000 residents, while Destrehan is home to around 11,000 people. These communities contribute significantly to the parish's overall population and are key areas for residential development. Living in St. Charles Parish offers a blend of rural and suburban lifestyles, with agriculture playing a role in the local economy alongside industries like manufacturing and petrochemicals. The parish attracts people seeking a quieter lifestyle with access to suburban amenities, and recent migration patterns suggest that affordability and proximity to New Orleans are driving factors for new residents.

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. Charles Parish County

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

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