2019 FHA Loan Limits in Louisiana

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Updated on Wednesday, April 3, 2019

If you’re planning to buy a home in Louisiana, there are a lot of things to consider. Besides choosing your perfect dream home, you’ll need to think about financing. If you don’t qualify for a conventional mortgage, consider applying for a loan insured by the Federal Housing Administration, or FHA.FHA loans can be made to borrowers with credit scores of 580 or above, with down payments as low as 3.5%. Even if your score falls below 580, you may still qualify for an FHA loan, but you will have to put down at least 10%.

FHA loans are attractive to a growing number of Louisianians. Borrowers in the state comprised 1.33% of FHA loans made in the United States in 2018. That’s up from 1.26% the year before.

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The Louisiana housing market varies considerably, depending on where you are in the state. The median home value in Louisiana was $152,900 as of 2017, but the numbers change based on where you’re buying. In Baton Rouge, for example, the median home price is $247,000, and in New Orleans, it’s $309,950 as of publication.

Those prices are among the highest in the state, but they still fall close to or under FHA loan limits for Louisiana. The FHA sets loan limits each year based on current housing prices. This year, the maximum FHA loan amount that can be taken out for a single-family home in Louisiana is $314,827.

Louisiana FHA Loan Limits by County

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ACADIA$314,827 $403,125 $487,250 $605,525 $175,000
ALLEN$314,827 $403,125 $487,250 $605,525 $88,000
ASCENSION$314,827 $403,125 $487,250 $605,525 $228,000
ASSUMPTION$314,827 $403,125 $487,250 $605,525 $101,000
AVOYELLES$314,827 $403,125 $487,250 $605,525 $70,000
BEAUREGARD$314,827 $403,125 $487,250 $605,525 $115,000
BIENVILLE$314,827 $403,125 $487,250 $605,525 $70,000
BOSSIER$314,827 $403,125 $487,250 $605,525 $182,000
CADDO$314,827 $403,125 $487,250 $605,525 $182,000
CALCASIEU$314,827 $403,125 $487,250 $605,525 $159,000
CALDWELL$314,827 $403,125 $487,250 $605,525 $65,000
CAMERON$314,827 $403,125 $487,250 $605,525 $159,000
CATAHOULA$314,827 $403,125 $487,250 $605,525 $78,000
CLAIBORNE$314,827 $403,125 $487,250 $605,525 $81,000
CONCORDIA$314,827 $403,125 $487,250 $605,525 $95,000
DE SOTO$314,827 $403,125 $487,250 $605,525 $182,000
EAST BATON ROUG$314,827 $403,125 $487,250 $605,525 $228,000
EAST CARROLL$314,827 $403,125 $487,250 $605,525 $59,000
EAST FELICIANA$314,827 $403,125 $487,250 $605,525 $228,000
EVANGELINE$314,827 $403,125 $487,250 $605,525 $92,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $87,000
GRANT$314,827 $403,125 $487,250 $605,525 $127,000
IBERIA$314,827 $403,125 $487,250 $605,525 $175,000
IBERVILLE$314,827 $403,125 $487,250 $605,525 $228,000
JACKSON$314,827 $403,125 $487,250 $605,525 $55,000
JEFFERSON$314,827 $403,125 $487,250 $605,525 $250,000
JEFFERSON DAVIS$314,827 $403,125 $487,250 $605,525 $103,000
LAFAYETTE$314,827 $403,125 $487,250 $605,525 $175,000
LAFOURCHE$314,827 $403,125 $487,250 $605,525 $153,000
LASALLE$314,827 $403,125 $487,250 $605,525 $73,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $181,000
LIVINGSTON$314,827 $403,125 $487,250 $605,525 $228,000
MADISON$314,827 $403,125 $487,250 $605,525 $66,000
MOREHOUSE$314,827 $403,125 $487,250 $605,525 $85,000
NATCHITOCHES$314,827 $403,125 $487,250 $605,525 $127,000
ORLEANS$314,827 $403,125 $487,250 $605,525 $250,000
OUACHITA$314,827 $403,125 $487,250 $605,525 $150,000
PLAQUEMINES$314,827 $403,125 $487,250 $605,525 $250,000
POINTE COUPEE$314,827 $403,125 $487,250 $605,525 $228,000
RAPIDES$314,827 $403,125 $487,250 $605,525 $127,000
RED RIVER$314,827 $403,125 $487,250 $605,525 $74,000
RICHLAND$314,827 $403,125 $487,250 $605,525 $92,000
SABINE$314,827 $403,125 $487,250 $605,525 $75,000
ST. BERNARD$314,827 $403,125 $487,250 $605,525 $250,000
ST. CHARLES$314,827 $403,125 $487,250 $605,525 $250,000
ST. HELENA$314,827 $403,125 $487,250 $605,525 $228,000
ST. JAMES$314,827 $403,125 $487,250 $605,525 $250,000
ST. JOHN THE BA$314,827 $403,125 $487,250 $605,525 $250,000
ST. LANDRY$314,827 $403,125 $487,250 $605,525 $101,000
ST. MARTIN$314,827 $403,125 $487,250 $605,525 $175,000
ST. MARY$314,827 $403,125 $487,250 $605,525 $100,000
ST. TAMMANY$314,827 $403,125 $487,250 $605,525 $250,000
TANGIPAHOA$314,827 $403,125 $487,250 $605,525 $165,000
TENSAS$314,827 $403,125 $487,250 $605,525 $61,000
TERREBONNE$314,827 $403,125 $487,250 $605,525 $153,000
UNION$314,827 $403,125 $487,250 $605,525 $150,000
VERMILION$314,827 $403,125 $487,250 $605,525 $175,000
VERNON$314,827 $403,125 $487,250 $605,525 $132,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $60,000
WEBSTER$314,827 $403,125 $487,250 $605,525 $182,000
WEST BATON ROUG$314,827 $403,125 $487,250 $605,525 $228,000
WEST CARROLL$314,827 $403,125 $487,250 $605,525 $78,000
WEST FELICIANA$314,827 $403,125 $487,250 $605,525 $228,000
WINN$314,827 $403,125 $487,250 $605,525 $76,000

How are FHA loan limits calculated?

The FHA releases new loan limits each year according to area housing prices. Nationally, the “floor” for FHA loan limits in 2019 is $314,827 for a single-family home. Loan limits adjust upward to a “ceiling” of $726,525 in high-cost locations.

The limits in each state can vary by county based on local property values. The range for a multi-family property is, of course, higher than for a single-family unit. However, the FHA loan limit for a single-family home is $314,827 for all of Louisiana in 2019.

Are you eligible for an FHA loan in Louisiana?

There you’ll find requirements regarding credit scores, debt-to-income ratios, and other key lending standards for these loans.