70086 — St. James Parish, Louisiana Market Snapshot
Housing market data for zip code 70086 in St. James Parish, Louisiana. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the St. James Parish county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$12,500
Days to Sell
119
Homes Sold
1
Inventory
1
Conforming Loan Available
Most homebuyers in 70086 can comfortably use conventional financing. The median home price of $12,500 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 119 days on average, 70086 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 70086 can comfortably use conventional financing. The median home price of $12,500 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 70086 are set at the county level.
2026 Loan Limits — St. James 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 70086
To purchase the median home at $12,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $246.
Monthly Payment
$246
Income Required
$10,533
Principal & Interest
$77/mo
Down Payment (5%)
$625
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 70086.
Estimated Monthly Payment
$227
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