Mortgage Rates in Sulphur, Louisiana — March 2026
Updated March 2026 | Based on Sulphur market data and regional lending conditions
Sulphur is a growing city in Louisiana with a population of 20,410. The current 30-year fixed mortgage rate in Sulphur is 6.63%, which is 0.02% below the national average. With a median home price of $180,000 and a 20% down payment of $36,000, homebuyers can expect a monthly principal and interest payment of approximately $923.
Current Mortgage Rates in Sulphur, LA
Below are the current average mortgage rates available in the Sulphur 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Sulphur Housing Market Overview
The Sulphur housing market offers relatively affordable housing compared to many major cities. The median household income in Sulphur is $46,900, and the cost of living index is 92.3 (national average = 100). Based on the 28% affordability rule, the median income in Sulphur is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Sulphur
Based on the median home price of $180,000 with 20% down ($36,000), here is what you can expect to pay monthly in Sulphur:
15-Year vs. 30-Year Mortgage in Sulphur
Choosing a 15-year mortgage in Sulphur at 5.89% instead of a 30-year at 6.63% would save you $115,020 in total interest over the life of the loan. However, your monthly payment would be $1,207 instead of $923 — an increase of $284 per month.
Calculate Your Sulphur 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 Sulphur
What are the current mortgage rates in Sulphur, LA?
As of March 2026, the average 30-year fixed mortgage rate in Sulphur, Louisiana is 6.63%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Sulphur?
Based on the median home price of $180,000 with 20% down, the estimated monthly mortgage payment in Sulphur is $923 for principal and interest. Including property taxes of $87/month, the total monthly housing cost is approximately $1,010.
What income do I need to buy a home in Sulphur?
Using the 28% rule, you would need an annual income of approximately $43,286 to afford the median-priced home in Sulphur at $180,000. The median household income in Sulphur is $46,900. The median income is currently sufficient to meet this threshold.
Is Sulphur a good place to buy a home in 2026?
Sulphur offers a below-average cost of living with a cost of living index of 92.3 (national average = 100). The property tax rate in Louisiana is 0.58%, which is below the national average. Sulphur has a population of 20,410 and offers a very affordable lifestyle.
Mortgage Rates in Other Louisiana Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Sulphur, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.