Check Latest Mortgage Rates for Baton Rouge in April 2026
Baton Rouge is a growing market in Louisiana, the United States, with a median home price of approximately $225,000. Below you'll find the latest estimated mortgage rates for Baton Rouge, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Baton Rouge Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.59% | 6.71% | 0.7 | $638 |
| 15-Year Fixed | 5.84% | 5.94% | 0.5 | $835 |
| 5/1 ARM | 6.09% | 6.24% | 0.4 | $605 |
| FHA 30-Year | 6.29% | 6.47% | 0.3 | $618 |
| VA 30-Year | 5.99% | 6.07% | 0.0 | $599 |
| Jumbo 30-Year | 6.79% | 6.89% | 0.8 | $651 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Baton Rouge Mortgage Market Overview
The Baton Rouge housing market in Louisiana represents an increasingly active market for mortgage lending in the United States. With a median home price of $225,000, buyers in Baton Rouge have access to a range of mortgage products from both national and local lenders.
The Baton Rouge market has seen growing interest from both local and national lenders, expanding mortgage availability for buyers. While the lending landscape is smaller than in major metros, buyers can still find competitive rates by comparing offers from community banks, credit unions, and online lenders.
When comparing mortgage rates in Baton Rouge, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Baton Rouge, Louisiana, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Baton Rouge
Mortgage rates in Baton Rouge, Louisiana are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
Mortgage rates in Baton Rouge tend to be slightly above the national average due to the smaller lending market compared to major metros. The rates displayed on this page reflect Baton Rouge-specific market conditions. For the most competitive rate, we recommend comparing offers from at least 3-5 lenders.
Most lenders in Baton Rouge require a minimum credit score of 620 for conventional loans, though you'll get the best rates with a score of 740 or higher. FHA loans may be available with scores as low as 580. Given the median home price of $225,000 in Baton Rouge, maintaining a strong credit score can save you tens of thousands of USD over the life of your loan through a lower interest rate.
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