70582 — St. Martin Parish, Louisiana Market Snapshot
Housing market data for zip code 70582 in St. Martin Parish, Louisiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$193,000
Days to Sell
104
Homes Sold
28
Inventory
30
Sale-to-List
93.3%
New Listings
28
Price/SqFt
$120
Pending Sales
23
Conforming Loan Available
Most homebuyers in 70582 can comfortably use conventional financing. The median home price of $193,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 104 days on average, 70582 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 70582 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 70582 can comfortably use conventional financing. The median home price of $193,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 70582 are set at the county level.
2026 Loan Limits — St. Martin Parish
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 70582
To purchase the median home at $193,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,629.
Monthly Payment
$1,629
Income Required
$69,801
Principal & Interest
$1,189/mo
Down Payment (5%)
$9,650
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 70582.
Estimated Monthly Payment
$1,344
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