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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Louisiana residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Louisiana, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Youngsville, Louisiana
- Payment to income ratio: 20.6%
- Median sale price: $303,861
- Median household income: $113,164
- Income needed to buy: $77,595
- Median monthly mortgage payment: $1,940
- See homes for sale in Youngsville on

#2. Shenandoah, Louisiana
- Payment to income ratio: 22.6%
- Median sale price: $317,273
- Median household income: $107,544
- Income needed to buy: $81,020
- Median monthly mortgage payment: $2,025
- See homes for sale in Shenandoah on

#3. Moss Bluff, Louisiana
- Payment to income ratio: 22.8%
- Median sale price: $256,275
- Median household income: $85,984
- Income needed to buy: $65,443
- Median monthly mortgage payment: $1,636
- See homes for sale in Moss Bluff on

#4. Woodmere, Louisiana
- Payment to income ratio: 22.9%
- Median sale price: $219,738
- Median household income: $73,615
- Income needed to buy: $56,113
- Median monthly mortgage payment: $1,403
- See homes for sale in Woodmere on

#5. Prairieville, Louisiana
- Payment to income ratio: 23.1%
- Median sale price: $348,731
- Median household income: $115,610
- Income needed to buy: $89,053
- Median monthly mortgage payment: $2,226
- See homes for sale in Prairieville on

#6. Laplace, Louisiana
- Payment to income ratio: 23.4%
- Median sale price: $207,632
- Median household income: $68,028
- Income needed to buy: $53,021
- Median monthly mortgage payment: $1,326
- See homes for sale in Laplace on

#7. Zachary, Louisiana
- Payment to income ratio: 23.6%
- Median sale price: $278,760
- Median household income: $90,507
- Income needed to buy: $71,185
- Median monthly mortgage payment: $1,780
- See homes for sale in Zachary on

#8. Central, Louisiana
- Payment to income ratio: 24.9%
- Median sale price: $293,304
- Median household income: $90,091
- Income needed to buy: $74,899
- Median monthly mortgage payment: $1,872
- See homes for sale in Central on

#9. Claiborne, Louisiana
- Payment to income ratio: 25.6%
- Median sale price: $231,491
- Median household income: $69,173
- Income needed to buy: $59,114
- Median monthly mortgage payment: $1,478
- See homes for sale in Claiborne on

#10. Destrehan, Louisiana
- Payment to income ratio: 25.8%
- Median sale price: $337,546
- Median household income: $100,189
- Income needed to buy: $86,197
- Median monthly mortgage payment: $2,155
- See homes for sale in Destrehan on

#11. Luling, Louisiana
- Payment to income ratio: 28.0%
- Median sale price: $300,235
- Median household income: $82,273
- Income needed to buy: $76,669
- Median monthly mortgage payment: $1,917
- See homes for sale in Luling on

#12. Kenner, Louisiana
- Payment to income ratio: 30.4%
- Median sale price: $254,683
- Median household income: $64,099
- Income needed to buy: $65,037
- Median monthly mortgage payment: $1,626
- See homes for sale in Kenner on

#13. Belle Chasse, Louisiana
- Payment to income ratio: 30.6%
- Median sale price: $385,167
- Median household income: $96,381
- Income needed to buy: $98,357
- Median monthly mortgage payment: $2,459
- See homes for sale in Belle Chasse on

#14. Gonzales, Louisiana
- Payment to income ratio: 30.9%
- Median sale price: $266,509
- Median household income: $66,152
- Income needed to buy: $68,056
- Median monthly mortgage payment: $1,701
- See homes for sale in Gonzales on

#15. River Ridge, Louisiana
- Payment to income ratio: 33.1%
- Median sale price: $364,806
- Median household income: $84,464
- Income needed to buy: $93,158
- Median monthly mortgage payment: $2,329
- See homes for sale in River Ridge on

#16. Metairie, Louisiana
- Payment to income ratio: 34.7%
- Median sale price: $331,351
- Median household income: $73,256
- Income needed to buy: $84,615
- Median monthly mortgage payment: $2,115
- See homes for sale in Metairie on

#17. Covington, Louisiana
- Payment to income ratio: 35.0%
- Median sale price: $337,210
- Median household income: $73,809
- Income needed to buy: $86,111
- Median monthly mortgage payment: $2,153
- See homes for sale in Covington on

#18. Mandeville, Louisiana
- Payment to income ratio: 39.5%
- Median sale price: $459,186
- Median household income: $89,122
- Income needed to buy: $117,259
- Median monthly mortgage payment: $2,931
- See homes for sale in Mandeville on