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St. James CDP, LA

ZIP 70086 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 70086

Median Home Value
$106,000
Median Rent
$422
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$681/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 70086 in St. James CDP, LA, a household would need roughly $29,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $681. That sits below the local median household income ($50,500), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.4%+12% vs US avg
x
Vacancy Rate
17.5%+70% vs US avg
x
Broadband Access
73.8%-15% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.2%-71% vs US avg
x
Mortgage-Free
62.1%+63% vs US avg
x
$106,000
Home Value
$422
Rent
1985
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached54.4%
  • 1-unit attached0.0%
  • 2-9 units7.9%
  • 10+ units2.8%
  • Mobile home & other34.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$106,000
Median rent$422
Owner-occupied73.4%
Vacant17.5%
Price-to-income2.1x
Est. income to buy$29,000