LA mortgage rates

St. James Parish County

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

A local view of the market.

St. James Parish in Louisiana has seen a slight decline in its real estate market, with the average home value currently at $186,148, marking a 3.0% decrease over the past year. The median listing home price in the parish is approximately $185,000. The top cities in St. James Parish include Lutcher, Gramercy, and Paulina. Lutcher is the most expensive city with a median listing home price of $182,500, while Gramercy and Paulina have median home prices of $160,300 and $140,000, respectively. Living in St. James Parish offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The area is known for its sugarcane farming, and many residents enjoy a quieter, community-oriented suburban life. The parish's proximity to larger cities like Baton Rouge and New Orleans makes it an attractive location for those seeking a balance between rural charm and access to urban amenities.

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. James Parish County

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

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