71446 — Vernon Parish, Louisiana Market Snapshot
Housing market data for zip code 71446 in Vernon Parish, Louisiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$235,750
Days to Sell
80
Homes Sold
38
Inventory
83
Sale-to-List
95.6%
New Listings
70
Price/SqFt
$120
Pending Sales
45
Conforming Loan Available
Most homebuyers in 71446 can comfortably use conventional financing. The median home price of $235,750 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 80 days on average, 71446 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 71446 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 71446 can comfortably use conventional financing. The median home price of $235,750 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 71446 are set at the county level.
2026 Loan Limits — Vernon 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 71446
To purchase the median home at $235,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,956.
Monthly Payment
$1,956
Income Required
$83,839
Principal & Interest
$1,453/mo
Down Payment (5%)
$11,788
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 71446.
Estimated Monthly Payment
$1,609
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