Mortgage Rates in Natchitoches, Louisiana — March 2026
Updated March 2026 | Based on Natchitoches market data and regional lending conditions
Natchitoches is a growing city in Louisiana with a population of 18,323. The current 30-year fixed mortgage rate in Natchitoches is 6.73%, which is 0.08% above the national average. With a median home price of $155,000 and a 20% down payment of $31,000, homebuyers can expect a monthly principal and interest payment of approximately $803.
Current Mortgage Rates in Natchitoches, LA
Below are the current average mortgage rates available in the Natchitoches 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 | 6.73% | 6.65% | +0.08% |
| 15-Year Fixed | 5.97% | 5.89% | +0.08% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.33% | 6.25% | +0.08% |
| VA | 6.13% | 6.05% | +0.08% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Natchitoches Housing Market Overview
The Natchitoches housing market offers relatively affordable housing compared to many major cities. The median household income in Natchitoches is $28,250, and the cost of living index is 78.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $37,457 to comfortably afford the median-priced home in Natchitoches, which exceeds the current median household income.
Monthly Payment Breakdown for Natchitoches
Based on the median home price of $155,000 with 20% down ($31,000), here is what you can expect to pay monthly in Natchitoches:
15-Year vs. 30-Year Mortgage in Natchitoches
Choosing a 15-year mortgage in Natchitoches at 5.97% instead of a 30-year at 6.73% would save you $101,160 in total interest over the life of the loan. However, your monthly payment would be $1,044 instead of $803 — an increase of $241 per month.
Calculate Your Natchitoches 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 Natchitoches
What are the current mortgage rates in Natchitoches, LA?
As of March 2026, the average 30-year fixed mortgage rate in Natchitoches, Louisiana is 6.73%, while the 15-year fixed rate is 5.97%. FHA loans average 6.33% and VA loans 6.13%. These rates are 0.08% above the national average of 6.65%.
How much is a monthly mortgage payment in Natchitoches?
Based on the median home price of $155,000 with 20% down, the estimated monthly mortgage payment in Natchitoches is $803 for principal and interest. Including property taxes of $71/month, the total monthly housing cost is approximately $874.
What income do I need to buy a home in Natchitoches?
Using the 28% rule, you would need an annual income of approximately $37,457 to afford the median-priced home in Natchitoches at $155,000. The median household income in Natchitoches is $28,250. This means most households would need to either earn above the median or consider homes below $155,000.
Is Natchitoches a good place to buy a home in 2026?
Natchitoches offers a below-average cost of living with a cost of living index of 78.5 (national average = 100). The property tax rate in Louisiana is 0.55%, which is below the national average. Natchitoches has a population of 18,323 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 Natchitoches, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.