Current Mortgage Rates in Livingston, Louisiana

Compare mortgage rates and fees for leading lenders in Livingston, LA. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Livingston.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Livingston. Plus, shopping lenders is free and there is no obligation.

Mortgage Rates in Livingston, LA as of September 25, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's Livingston, LA Mortgage Rates Compare?

September 25, 2020

The current average rate for a 30 year fixed rate mortgage in Livingston is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Livingston, LA Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Livingston, Louisiana?

Below we provide helpful information on the real estate market, home prices and housing affordability in Livingston. Understand how much you need to earn to afford a home in Livingston, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Livingston fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Livingston is right for you.

The median home value for Livingston, LA is $173,135

Based on current mortgage rates and a 10% down payment, you need to make $31,160 per year to buy the median priced home in Livingston

With this income, you could qualify for a $155,821 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Livingston is $722

The median household income for Livingston, LA is $63,759

Based on this income, you can afford a home valued at approximately $354,270

The home price you can afford to buy based on household income in Livingston is 205% of the median home value which means housing prices are affordable. Livingston ranks 34 out of 64 counties in Louisiana and 1,483 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Livingston, LA is affordable


Loan Limits for Livingston, Louisiana

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Livingston below.

Conforming loan limits for Livingston, LA

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Livingston, LA

1 unit: $331,760
2 units: $424,800
3 units: $513,450
4 units: $638,100

VA loan limits for Livingston, LA

1 unit: $510,400

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