Mortgage Rates in Gonzales, Louisiana — March 2026
Updated March 2026 | Based on Gonzales market data and regional lending conditions
Gonzales is a growing city in Louisiana with a population of 12,231. The current 30-year fixed mortgage rate in Gonzales is 6.88%, which is 0.23% above the national average. With a median home price of $177,000 and a 20% down payment of $35,400, homebuyers can expect a monthly principal and interest payment of approximately $931.
Current Mortgage Rates in Gonzales, LA
Below are the current average mortgage rates available in the Gonzales area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.88% | 6.65% | +0.23% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.13% | 6.85% | +0.28% |
Gonzales Housing Market Overview
The Gonzales housing market offers relatively affordable housing compared to many major cities. The median household income in Gonzales is $52,500, and the cost of living index is 82.4 (national average = 100). Based on the 28% affordability rule, the median income in Gonzales is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Gonzales
Based on the median home price of $177,000 with 20% down ($35,400), here is what you can expect to pay monthly in Gonzales:
15-Year vs. 30-Year Mortgage in Gonzales
Choosing a 15-year mortgage in Gonzales at 6.1% instead of a 30-year at 6.88% would save you $118,620 in total interest over the life of the loan. However, your monthly payment would be $1,203 instead of $931 — an increase of $272 per month.
Calculate Your Gonzales Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Gonzales
What are the current mortgage rates in Gonzales, LA?
As of March 2026, the average 30-year fixed mortgage rate in Gonzales, Louisiana is 6.88%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.23% above the national average of 6.65%.
How much is a monthly mortgage payment in Gonzales?
Based on the median home price of $177,000 with 20% down, the estimated monthly mortgage payment in Gonzales is $931 for principal and interest. Including property taxes of $81/month, the total monthly housing cost is approximately $1,012.
What income do I need to buy a home in Gonzales?
Using the 28% rule, you would need an annual income of approximately $43,371 to afford the median-priced home in Gonzales at $177,000. The median household income in Gonzales is $52,500. The median income is currently sufficient to meet this threshold.
Is Gonzales a good place to buy a home in 2026?
Gonzales offers a below-average cost of living with a cost of living index of 82.4 (national average = 100). The property tax rate in Louisiana is 0.55%, which is below the national average. Gonzales has a population of 12,231 and offers a very affordable lifestyle.
Mortgage Rates in Other Louisiana Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Gonzales, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.