Local costs · Louisiana
What a home costs across Louisiana
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Louisiana, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $2,603 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Louisiana charges no state transfer or recording tax on a home purchase.
- Title insurance
- Louisiana uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Louisiana income tax is modeled at about 2.23% effective for a married household at $100,000 (2.61% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 64 counties in Louisiana
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Acadia Parish | 0.31% | $1,670–$3,730typical $2,570 |
| Allen Parish | 0.26% | $1,270–$2,830typical $1,950 |
| Ascension Parish | 0.54% | $1,870–$4,160typical $2,870 |
| Assumption Parish | 0.37% | $2,070–$4,610typical $3,180 |
| Avoyelles Parish | 0.20% | $1,270–$2,830typical $1,950 |
| Beauregard Parish | 0.36% | $1,270–$2,830typical $1,950 |
| Bienville Parish | 0.30% | $1,270–$2,830typical $1,950 |
| Bossier Parish | 0.64% | $1,270–$2,830typical $1,950 |
| Caddo Parish | 0.62% | $1,270–$2,830typical $1,950 |
| Calcasieu Parish | 0.45% | $1,600–$3,570typical $2,460 |
| Caldwell Parish | 0.45% | $1,270–$2,830typical $1,950 |
| Cameron Parish | 0.46% | $2,030–$4,520typical $3,120 |
| Catahoula Parish | 0.32% | $1,270–$2,830typical $1,950 |
| Claiborne Parish | 0.43% | $1,270–$2,830typical $1,950 |
| Concordia Parish | 0.37% | $1,270–$2,830typical $1,950 |
| De Soto Parish | 0.35% | $1,270–$2,830typical $1,950 |
| East Baton Rouge Parish | 0.67% | $1,270–$2,830typical $1,950 |
| East Carroll Parish | 0.28% | $1,270–$2,830typical $1,950 |
| East Feliciana Parish | 0.15% | $1,270–$2,830typical $1,950 |
| Evangeline Parish | 0.29% | $1,270–$2,830typical $1,950 |
| Franklin Parish | 0.31% | $1,270–$2,830typical $1,950 |
| Grant Parish | 0.60% | $1,270–$2,830typical $1,950 |
| Iberia Parish | 0.36% | $2,050–$4,570typical $3,150 |
| Iberville Parish | 0.32% | $1,880–$4,190typical $2,890 |
| Jackson Parish | 0.30% | $1,270–$2,830typical $1,950 |
| Jefferson Davis Parish | 0.29% | $1,600–$3,570typical $2,460 |
| Jefferson Parish | 0.52% | $2,280–$5,080typical $3,500 |
| Lafayette Parish | 0.57% | $1,730–$3,860typical $2,660 |
| Lafourche Parish | 0.53% | $2,370–$5,280typical $3,640 |
| LaSalle Parish | 0.45% | $1,270–$2,830typical $1,950 |
| Lincoln Parish | 0.46% | $1,270–$2,830typical $1,950 |
| Livingston Parish | 0.46% | $1,830–$4,090typical $2,820 |
| Madison Parish | 0.33% | $1,270–$2,830typical $1,950 |
| Morehouse Parish | 0.45% | $1,270–$2,830typical $1,950 |
| Natchitoches Parish | 0.44% | $1,270–$2,830typical $1,950 |
| Orleans Parish | 0.83% | $2,270–$5,060typical $3,490 |
| Ouachita Parish | 0.54% | $1,270–$2,830typical $1,950 |
| Plaquemines Parish | 0.50% | $2,310–$5,160typical $3,560 |
| Pointe Coupee Parish | 0.32% | $1,270–$2,830typical $1,950 |
| Rapides Parish | 0.55% | $1,270–$2,830typical $1,950 |
| Red River Parish | 0.42% | $1,270–$2,830typical $1,950 |
| Richland Parish | 0.28% | $1,270–$2,830typical $1,950 |
| Sabine Parish | 0.39% | $1,270–$2,830typical $1,950 |
| St. Bernard Parish | 0.47% | $2,280–$5,090typical $3,510 |
| St. Charles Parish | 0.59% | $2,180–$4,860typical $3,350 |
| St. Helena Parish | 0.61% | $1,270–$2,830typical $1,950 |
| St. James Parish | 0.53% | $2,070–$4,630typical $3,190 |
| St. John the Baptist Parish | 0.45% | $2,160–$4,830typical $3,330 |
| St. Landry Parish | 0.29% | $1,270–$2,830typical $1,950 |
| St. Martin Parish | 0.44% | $1,830–$4,070typical $2,810 |
| St. Mary Parish | 0.39% | $2,140–$4,770typical $3,290 |
| St. Tammany Parish | 0.71% | $2,130–$4,740typical $3,270 |
| Tangipahoa Parish | 0.41% | $1,900–$4,250typical $2,930 |
| Tensas Parish | 0.26% | $1,270–$2,830typical $1,950 |
| Terrebonne Parish | 0.45% | $2,370–$5,280typical $3,640 |
| Union Parish | 0.46% | $1,270–$2,830typical $1,950 |
| Vermilion Parish | 0.36% | $1,840–$4,100typical $2,830 |
| Vernon Parish | 0.53% | $1,270–$2,830typical $1,950 |
| Washington Parish | 0.33% | $1,790–$3,990typical $2,750 |
| Webster Parish | 0.36% | $1,270–$2,830typical $1,950 |
| West Baton Rouge Parish | 0.54% | $1,270–$2,830typical $1,950 |
| West Carroll Parish | 0.21% | $1,270–$2,830typical $1,950 |
| West Feliciana Parish | 0.63% | $1,270–$2,830typical $1,950 |
| Winn Parish | 0.30% | $1,270–$2,830typical $1,950 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.