71078 — De Soto Parish, Louisiana Market Snapshot
Housing market data for zip code 71078 in De Soto Parish, Louisiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$387,005
Days to Sell
146
Homes Sold
27
Inventory
28
Sale-to-List
99.2%
New Listings
26
Price/SqFt
$179
Pending Sales
28
Conforming Loan Available
Most homebuyers in 71078 can comfortably use conventional financing. The median home price of $387,005 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 146 days on average, 71078 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 71078 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 71078 can comfortably use conventional financing. The median home price of $387,005 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 71078 are set at the county level.
2026 Loan Limits — De Soto Parish
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 71078
To purchase the median home at $387,005 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,115.
Monthly Payment
$3,115
Income Required
$133,505
Principal & Interest
$2,385/mo
Down Payment (5%)
$19,350
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 71078.
Estimated Monthly Payment
$2,545
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