$76,438/yr
is the income needed to buy the typical $248,895 home in Baton Rouge, LA at today's 6.95% rate — about $1,784/mo. The local median household ($68,910) falls $7,528 short.
The math (shown)
248,895 price − 10% down (24,890) = 224,005 loan
30-yr fixed at 6.95% on 224,005 = 1,483/mo principal+interest
+ 301/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,784/mo PITI ÷ 0.28 = 6,370/mo → 76,438/yr required
against Zillow ZHVI 2026-08 (Zillow ZHVI (typical home value, smoothed, all-homes 33–67pct tier)) and the 6.95% FRED 30-yr rate (2026-09-17). Local median income: $68,910 (U.S. Census Bureau ACS 2023 5-year, median household income (table B19013)).
Can I afford Baton Rouge, LA on my salary?
Your salary:
Rent vs own here
Honest null: HUD FMR needs a free huduser.gov token (env.HUD_TOKEN). Honest-null until set. (HUD FMR needs a free token; not wired here.)
FAQ
How much do I need to make to live in Baton Rouge, LA?
To buy the typical home, about $76,438/yr. Renting needs less; this page sizes the buy.
What home value is this based on?
Zillow's ZHVI typical-home-value for the Baton Rouge, LA metro (2026-08): $248,895.
Is the mortgage rate current?
Yes — 6.95% from FRED's weekly 30-year fixed average (2026-09-17).
Glossary
ZHVI
Zillow Home Value Index — the typical home value for a region (35th–65th percentile, smoothed, seasonally adjusted).
Front-end DTI
Housing payment as a share of gross income; lenders commonly cap it near 28%.
PITI
Principal, Interest, Taxes, and Insurance — the full monthly housing cost.