LA mortgage rates

St. Martin Parish County

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

A local view of the market.

The real estate market in St. Martin Parish, Louisiana, has seen a slight increase in home values over the past year. The average home value in the parish is approximately $157,944, reflecting a 0.4% rise. This indicates a stable market with modest growth, making it an attractive option for potential homeowners looking for affordability and value. St. Martin Parish is home to several notable cities, including St. Martinville and Breaux Bridge. St. Martinville, known for its rich cultural heritage, has a population of around 6,000 residents, while Breaux Bridge, famous for its vibrant Cajun culture and annual crawfish festival, hosts approximately 8,000 people. These cities offer a blend of historical charm and community-focused living, attracting both locals and newcomers alike. Living in St. Martin Parish offers a mix of rural and suburban experiences. The area is characterized by its agricultural roots, with farming and related industries playing a significant role in the local economy. Residents enjoy a suburban lifestyle with access to natural landscapes and outdoor activities. The parish is experiencing a trend of migration from urban areas, as people seek a quieter, more affordable lifestyle with a strong sense of community 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 areaLafayetteMapped market area
Area code29180CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in St. Martin Parish County

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

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