Mortgage Rates in Addis, Louisiana — April 2026
Updated April 2026 | Based on Addis market data and regional lending conditions
Addis is a smaller Louisiana community of 22,583 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.8% (0.15% above the national average). At a median home price of $215,000, the estimated $1,216/month payment (with 20% down) is affordable on the local median income of $54,500.
Current Mortgage Rates in Addis, LA
Below are the current average mortgage rates available in the Addis area as of April 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Addis Housing Market Overview
At $215,000, Addis offers more affordable housing than most U.S. metros. The local cost of living index is 98.3 (100 = national average), and the median household income of $54,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Addis
Based on the median home price of $215,000 with 20% down ($43,000), here is what you can expect to pay monthly in Addis:
15-Year vs. 30-Year Mortgage in Addis
Choosing a 15-year mortgage in Addis at 6.03% instead of a 30-year at 6.8% would save you $141,840 in total interest over the life of the loan. However, your monthly payment would be $1,454 instead of $1,121 — an increase of $333 per month.
Calculate Your Addis Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Addis
What are the current mortgage rates in Addis, LA?
As of April 2026, the average 30-year fixed mortgage rate in Addis, Louisiana is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Addis?
Based on the median home price of $215,000 with 20% down, the estimated monthly mortgage payment in Addis is $1,121 for principal and interest. Including property taxes of $95/month, the total monthly housing cost is approximately $1,216.
What income do I need to buy a home in Addis?
Using the 28% rule, you would need an annual income of approximately $52,114 to afford the median-priced home in Addis at $215,000. The median household income in Addis is $54,500. The median income is currently sufficient to meet this threshold.
Is Addis a good place to buy a home in 2026?
Addis offers a below-average cost of living with a cost of living index of 98.3 (national average = 100). The property tax rate in Louisiana is 0.53%, which is below the national average. Addis has a population of 22,583 and offers a balanced lifestyle.
Mortgage Rates in Other Louisiana Cities
Related Tools & Guides
Last updated: April 2026. Rates are approximate averages based on regional lending data for the Addis, Louisiana area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.