Mortgage Rates in Zachary, Louisiana — March 2026
Updated March 2026 | Based on Zachary market data and regional lending conditions
Zachary is a growing city in Louisiana with a population of 17,456. The current 30-year fixed mortgage rate in Zachary is 6.75%, which is 0.1% above the national average. With a median home price of $176,000 and a 20% down payment of $35,200, homebuyers can expect a monthly principal and interest payment of approximately $913.
Current Mortgage Rates in Zachary, LA
Below are the current average mortgage rates available in the Zachary 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 | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Zachary Housing Market Overview
The Zachary housing market offers relatively affordable housing compared to many major cities. The median household income in Zachary is $45,600, and the cost of living index is 91.8 (national average = 100). Based on the 28% affordability rule, the median income in Zachary is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Zachary
Based on the median home price of $176,000 with 20% down ($35,200), here is what you can expect to pay monthly in Zachary:
15-Year vs. 30-Year Mortgage in Zachary
Choosing a 15-year mortgage in Zachary at 5.99% instead of a 30-year at 6.75% would save you $115,020 in total interest over the life of the loan. However, your monthly payment would be $1,187 instead of $913 — an increase of $274 per month.
Calculate Your Zachary 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 Zachary
What are the current mortgage rates in Zachary, LA?
As of March 2026, the average 30-year fixed mortgage rate in Zachary, Louisiana is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Zachary?
Based on the median home price of $176,000 with 20% down, the estimated monthly mortgage payment in Zachary is $913 for principal and interest. Including property taxes of $81/month, the total monthly housing cost is approximately $994.
What income do I need to buy a home in Zachary?
Using the 28% rule, you would need an annual income of approximately $42,600 to afford the median-priced home in Zachary at $176,000. The median household income in Zachary is $45,600. The median income is currently sufficient to meet this threshold.
Is Zachary a good place to buy a home in 2026?
Zachary offers a below-average cost of living with a cost of living index of 91.8 (national average = 100). The property tax rate in Louisiana is 0.55%, which is below the national average. Zachary has a population of 17,456 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 Zachary, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.