1st Advantage MortgageCaldwell Parish households have a median income of $47,028 and median rent of $830 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Louisiana before sharing details.
On this page
- Getting oriented in Caldwell Parish
- Jobs and commutes in Caldwell Parish
- Income in Caldwell Parish compared with Louisiana
- Caldwell Parish housing compared with Louisiana
- Places inside Caldwell Parish
- Regional comparison for Caldwell Parish
- Caldwell Parish residents: age, schooling, coverage
- Local borrowing considerations for Caldwell Parish
- Room for a loan payment in Caldwell Parish
- A Caldwell Parish borrower's checklist
- Checking a lender's license in Louisiana
- More guides for Caldwell Parish
- Frequently asked questions
Getting oriented in Caldwell Parish
Roughly 9,500 residents live in Caldwell Parish, Louisiana, 58th by population among the state's 64 counties and county equivalents. Land area is 530 square miles (2024 Gazetteer), so density runs near 18 per square mile. No metropolitan area includes Caldwell Parish in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Banks Springs is the biggest of its 4 Census places, at roughly 1,406 people (15% of the county total). With so few households sampled, Caldwell Parish estimates can move a lot between releases.
Jobs and commutes in Caldwell Parish
The biggest employer of Caldwell Parish residents, by industry, is education and health care at 22% of workers, followed by construction (15%). Compared with Louisiana, the county leans toward construction (15% against 8%). ACS puts five-year average unemployment at 10.1% in Caldwell Parish. About 87% drive to work alone and 24% have trips of 45 minutes or more.
| Industry | Share of Caldwell Parish workers | vs Louisiana |
|---|---|---|
| Education and health care | 21.6% | -3.9 pts |
| Construction | 14.8% | +6.5 pts |
| Manufacturing | 11.8% | +4.3 pts |
| Retail trade | 8.1% | -3.0 pts |
| Public administration | 7.9% | +2.4 pts |
| Agriculture, forestry and mining | 7.5% | +4.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Caldwell Parish should have bank statements and tax returns ready.
Income in Caldwell Parish compared with Louisiana
Caldwell Parish households have a median income of $47,028 (ACS 2020 to 2024), which ranks 44th of 64 in Louisiana.
| Band | Caldwell Parish | Compared with Louisiana |
|---|---|---|
| Under $35,000 | 42.6% | +11.8 pts |
| $35,000 to $99,999 | 31.9% | -7.5 pts |
| $100,000 to $199,999 | 19.4% | -2.7 pts |
| $200,000 or more | 6.2% | -1.6 pts |
Some 43% of households here live on less than $35,000 a year; 26% have six-figure incomes. Census counts 29.8% of Caldwell Parish residents in poverty, against 18.9% across Louisiana. For a borrower in Caldwell Parish, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Caldwell Parish housing compared with Louisiana
A typical Caldwell Parish rental runs $830 a month including utilities, which is 22% below Louisiana. Rent takes 30% or more of income for 68% of renter households here. The median owner-occupied home is valued at $93,300, about 2.0 times the median household income. Owners occupy 69% of homes.
| Caldwell Parish | Louisiana | U.S. county median | |
|---|---|---|---|
| Median gross rent | $830/mo | $1,064/mo | $877/mo |
| Median home value | $93,300 | $216,500 | $185,300 |
| Owners | 69% | 67% | 75% |
| Rent-burdened renters | 68% | 55% | 45% |
| Burdened owners | 28% | 28% | n/a |
| Vacant units | 20% | 14% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Places inside Caldwell Parish
The table lists the 4 largest of 4 Census places in Caldwell Parish, by population. Together all 4 hold about 3,134 people, so roughly 67% of residents live outside any named place. Among places of 500 or more people, median income runs from $26,232 in Banks Springs to $46,875 in Grayson. Rent is cheapest in Banks Springs ($356) and steepest in Grayson ($915). No Caldwell Parish place has a separate guide yet; this county page serves all 4.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Banks Springs | CDP | 1,406 | $26,232 | $356 | 2 mi |
| Clarks | village | 770 | $28,056 | $777 | 5 mi |
| Grayson | village | 613 | $46,875 | $915 | 4 mi |
| Columbia | town | 345 | $55,000 | $872 | 2 mi |
A CDP is a named community without its own municipal government.
Regional comparison for Caldwell Parish
The six counties whose centers lie closest to Caldwell Parish's, from 26 to 33 miles away. Income ranges from $44,925 in Jackson Parish to $68,497 in LaSalle Parish; 4 of these neighbors top Caldwell Parish's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Caldwell Parish | - | $47,028 | $830/mo | 69% |
| Franklin Parish, LA | 26 mi | $47,020 | $721/mo | 73% |
| Ouachita Parish, LA | 26 mi | $54,688 | $959/mo | 61% |
| LaSalle Parish, LA | 29 mi | $68,497 | $657/mo | 81% |
| Jackson Parish, LA | 30 mi | $44,925 | $736/mo | 70% |
| Richland Parish, LA | 30 mi | $53,544 | $903/mo | 67% |
| Winn Parish, LA | 33 mi | $48,871 | $774/mo | 71% |
Caldwell Parish residents: age, schooling, coverage
Degree holders: 11% of adults over 25. About 6% go without health insurance.
| Measure | Caldwell Parish | Louisiana statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 40.4 | 38.0 | 41.5 |
| Bachelor's or higher | 11.2% | 27.0% | 22.2% |
| No high school diploma | 18.9% | 12.7% | n/a |
| No health insurance | 6.0% | 7.8% | 7.8% |
| No vehicle | 8.3% | 8.4% | 5.4% |
| Work from home | 6.5% | 8.1% | 8.7% |
| Poverty rate | 29.8% | 18.9% | 13.2% |
| Unemployment (ACS) | 10.1% | 6.3% | 4.4% |
| Minutes to work | Caldwell Parish workers |
|---|---|
| Under 15 min | 27.2% |
| 15 to 29 min | 30.0% |
| 30 to 44 min | 18.8% |
| 45 to 59 min | 12.0% |
| 60+ min | 11.9% |
Local borrowing considerations for Caldwell Parish
Based on the Caldwell Parish data above, these borrowing questions are most likely to matter locally.
- Vehicle repairs. 24% of Caldwell Parish workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Repairs on manufactured housing. With 41% of homes here, compare a personal loan with any dealer or park repair program.
- Assistance before credit. With a 30% poverty rate, check no-cost options before any Caldwell Parish loan.
- Rent squeeze. 68% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Room for a loan payment in Caldwell Parish
Here is the Caldwell Parish median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Caldwell Parish: $3,919
- Median rent: $830, or 21 cents of every gross dollar
- At 40%, room after rent is $738 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
A Caldwell Parish borrower's checklist
A short checklist for Caldwell Parish borrowers:
- Get a written quote for whatever you are paying for in Caldwell Parish.
- Collect three written offers and compare APR and total repaid.
- A Louisiana license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Checking a lender's license in Louisiana
Caldwell Parish borrowers fall under statewide rules, enforced by the Louisiana Office of Financial Institutions. Federal complaints: consumerfinance.gov. Statewide data and rules: Louisiana guide.
More guides for Caldwell Parish
The Louisiana guide covers the whole state.
Frequently asked questions
What is the median household income in Caldwell Parish?
$47,028 a year in the 2020 to 2024 Census survey, versus $60,756 for Louisiana. It ranks 44th of 64 in the state.
What do renters pay in Caldwell Parish?
$830 a month at the median, about 21% of median household income.
I live in a small Caldwell Parish town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Banks Springs, Clarks, Grayson, Columbia.
Does living in Caldwell Parish change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Caldwell Parish resident as anyone. Lenders decide under fair-lending law.
Where can someone in Caldwell Parish check a lender's license?
With the Louisiana Office of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.