Mortgage Refinance Rates in Louisiana (2026)
With Louisiana's median value near $225,000, a homeowner refinancing a typical $153,000 balance from about 7.50% to 6.25% saves roughly $128/month — breaking even on ~$3,825 of costs near month 30.
Most Louisiana owners have built real equity. A cash-out refinance can tap up to 80% of value, and a rate-and-term refinance simply lowers the payment. Louisiana uses the $806,500 conforming baseline statewide.
Refinance snapshot by Louisiana county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| East Baton Rouge County | $235,000 | $806,500 | Baseline |
| Jefferson County | $250,000 | $806,500 | Baseline |
| Orleans County | $300,000 | $806,500 | Baseline |
| St. Tammany County | $225,000 | $806,500 | Baseline |
| Lafayette County | $225,000 | $806,500 | Baseline |
| Caddo County | $225,000 | $806,500 | Baseline |
| Calcasieu County | $225,000 | $806,500 | Baseline |
| Ouachita County | $225,000 | $806,500 | Baseline |
| Livingston County | $225,000 | $806,500 | Baseline |
| Rapides County | $225,000 | $806,500 | Baseline |
| Bossier County | $225,000 | $806,500 | Baseline |
| Tangipahoa County | $225,000 | $806,500 | Baseline |
| Ascension County | $225,000 | $806,500 | Baseline |
| Terrebonne County | $225,000 | $806,500 | Baseline |
| St. Landry County | $225,000 | $806,500 | Baseline |
| Lafourche County | $225,000 | $806,500 | Baseline |
| Iberia County | $225,000 | $806,500 | Baseline |
| St. Charles County | $225,000 | $806,500 | Baseline |
| Vermilion County | $225,000 | $806,500 | Baseline |
| Acadia County | $225,000 | $806,500 | Baseline |
| St. Martin County | $225,000 | $806,500 | Baseline |
| Natchitoches County | $225,000 | $806,500 | Baseline |
| Webster County | $225,000 | $806,500 | Baseline |
| Vernon County | $225,000 | $806,500 | Baseline |
Should you refinance in Louisiana?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
Your Free Refinance Rate Watch
Refinance rates move daily and the right dip can save hundreds a month. We will tell you the moment it makes sense.
Frequently Asked Questions
- How much can refinancing save in Louisiana?
- On a $153,000 balance near the Louisiana median, dropping from ~7.50% to 6.25% saves about $128/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in Louisiana for 2026?
- Most Louisiana counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.