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FHA loans in River Ridge, LA

Quick answer

The 2026 FHA loan limit in River Ridge, LA (Jefferson Parish) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $330,700 median home value, that down payment is about $11,575 and the estimated payment is $2,750/month at 7.18%, which needs roughly $118,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $84,464; value-to-income ratio 3.92. River Ridge ranks 3 by home value and 36 by population among 57 places in our LA dataset.

What does an FHA loan cost on a typical River Ridge home?

ItemRiver Ridge
Median home value (Census ACS)$330,700
Louisiana median home value$208,700
Down payment (3.5%)$11,575
Loan incl. 1.75% upfront MIP$324,710
Estimated monthly payment (PITI + MI)$2,750
Income needed (28% / 36%)$118,000 / $92,000
Jefferson Parish 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Louisiana's 0.55% effective property tax rate (Census ACS), $3,027/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in River Ridge?

River Ridge is in Jefferson Parish where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The River Ridge median home value of $330,700 is 58% above the Louisiana median, and within what the county limit supports.

Which down payment assistance programs can River Ridge buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

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FHA loan FAQs for River Ridge

River Ridge is in Jefferson Parish, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $330,700 is about $11,575 with a 580+ credit score (10%, or $33,070, with a 500–579 score), plus closing costs.

At the $330,700 median value (above the Louisiana median of $208,700), the estimated payment of $2,750/month at 7.18% needs about $118,000 a year under the 28% housing guideline, or $92,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.