70047 — St. Charles Parish, Louisiana Market Snapshot
Housing market data for zip code 70047 in St. Charles Parish, Louisiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$310,000
Days to Sell
91
Homes Sold
24
Inventory
44
Sale-to-List
97.7%
New Listings
35
Price/SqFt
$152
Pending Sales
24
Conforming Loan Available
Most homebuyers in 70047 can comfortably use conventional financing. The median home price of $310,000 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 91 days on average, 70047 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
The average home in 70047 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 70047 can comfortably use conventional financing. The median home price of $310,000 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 70047 are set at the county level.
2026 Loan Limits — St. Charles 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 70047
To purchase the median home at $310,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,525.
Monthly Payment
$2,525
Income Required
$108,219
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,500
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 70047.
Estimated Monthly Payment
$2,069
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 70047. Tell us what you're looking for.