Homes and Land Currently Listed in 70517
70517’s active inventory splits into four distinct categories, and each one behaves differently for financing and risk: subdivision site-built homes inside Breaux Bridge proper, rural acreage and land lots along roads like Doyle Melancon, Clayton Castille, and Lion Castille, manufactured homes on owned or leased lots, and river- or bayou-adjacent parcels along the Atchafalaya River Highway.
| Category | Example Listings Found (2026) | Price Range Observed | Financing Note |
|---|---|---|---|
| Land / acreage lots | Parcels from 0.28 to 75.9 acres on roads such as Doyle Melancon, Clayton Castille, and Lion Castille | $19,500 to $945,000 | Raw land alone typically needs a land loan or owner financing |
| Manufactured homes | 3-bed, 2-bath units, roughly 1,960 sq ft, inside Breaux Bridge | $140,000 to $200,000 | Chattel or FHA Title I unless on owned land with a permanent foundation |
| Site-built subdivision homes | Standard single-family listings inside city limits | $150,000 to $400,000 | Conventional, FHA, or VA financing applies normally |
| Waterfront / riverfront parcels | Acreage along the Atchafalaya River Highway and connecting bayous | $55,000 to over $900,000 for larger river tracts | Flood zone and insurance cost need checking before financing is arranged |
Four different property types share one zip code, and each answers the financing question differently: a single affordability calculator built for a $250,000 subdivision house misleads a buyer looking at a $40,000 land lot. (Sources: Land.com, LandSearch, Coldwell Banker.)
What “70517” Actually Covers
The USPS assigns Breaux Bridge as the default city for zip 70517, but the boundary runs wider than the city limits. Portions of the zip carry Henderson, Broussard, and Cecilia addresses, and the area sits primarily in St. Martin Parish with a slice crossing into Lafayette Parish. A land listing at 353b St Clair Rd, priced at $370,000 for a 4.66-acre parcel with a 2,080-square-foot home, carries a Breaux Bridge, LA 70517 address that sits in Lafayette Parish, which is the kind of detail a buyer only notices after checking the deed.
Is all of 70517 inside Breaux Bridge city limits?No. The zip includes Butte La Rose and parts of Henderson, Broussard, and Cecilia, plus a stretch of St. Martin Parish’s rural interior, and it dips into a corner of Lafayette Parish. Confirming which parish an address sits in matters for parish tax rates and for USDA loan eligibility, which is administered by parish.
Current Market Conditions in 70517
Redfin’s most recently published monthly read for the 70517 zip put the median sale price at $200,000, down 9.09% from the year before, and the median sale price per square foot at $117, down 20.4% year over year.
Homes are also sitting on the market longer: an average of 47 days, up from 27 days the year before. A longer time on market alongside a falling price per square foot points to a buyer-favorable shift rather than a stalled market outright, since transaction volume is rising alongside the price easing.
Why are 70517 homes taking longer to sell than last year?For a buyer, the practical effect is more room to negotiate seller-paid closing costs or repair credits: a listing sitting past the zip’s 47-day average has more incentive to accept concessions than one still in its first two weeks on the market.
What’s the real median home price in 70517 right now?The most defensible number available is $200,000, Redfin’s sold-price median for zip 70517 in its latest published month. Treat any undated figure quoted simply for “Breaux Bridge” with caution: ask which zip, parish, or date it reflects before relying on it.
Fifty-two homes closed in the zip that month, against thirty-seven the year before.
Financing by Property Type
The property mix in 70517 means three separate buyers can qualify for three different loan products on three otherwise similar-looking purchases.
Conventional and Government-Backed Loans
A 30-year fixed mortgage averaged 6.43% as of July 2, 2026, down from 6.49% the week before, per Freddie Mac’s Primary Mortgage Market Survey, which assumes a 20% down payment and strong credit. This baseline applies to site-built subdivision homes and to manufactured homes permanently affixed to owned land; land-only purchases and homes on leased lots need a different loan product, covered below.
USDA Eligibility in St. Martin Parish
St. Martin Parish is among the parishes covered by USDA Rural Development’s Single Family Housing programs, which can finance an eligible property with no down payment for buyers under the program’s income ceiling, roughly $119,850 for a one-to-four-person household under 2026 figures. Eligibility is determined address by address on USDA’s own property eligibility map; parish name alone does not decide it, since a rural lot on Doyle Melancon Road and a subdivision lot inside Breaux Bridge proper can land on opposite sides of the eligibility line even a few miles apart.
Can I buy rural land in 70517 with no down payment?Possibly, through USDA’s Section 502 guaranteed loan program, but only if the specific address clears USDA’s property eligibility map and household income falls under the parish’s limit; both need checking per address.
Manufactured and Land-Only Financing
A 2021 Consumer Financial Protection Bureau analysis of national mortgage data found that about 42% of manufactured home purchase loans are chattel loans, secured by the home itself rather than the land underneath it, with materially higher denial rates and interest rates than site-built buyers face. A manufactured home for sale inside Breaux Bridge at 1021 Juleau Champagne Road, listed as a 3-bedroom, 2-bath, 1,960-square-foot property on Coldwell Banker’s feed, illustrates the fork buyers face: financing runs through a conventional or FHA Title II mortgage if the home sits on owned land with a permanent foundation, and through a chattel or FHA Title I loan if it does not.
| Property Type | Typical Loan Path | Down Payment Norm | Key Caveat |
|---|---|---|---|
| Site-built home, owned land | Conventional, FHA, VA | 3% to 20% | Standard appraisal and inspection process applies |
| Manufactured home, owned land, permanent foundation | Conventional (Fannie Mae MH Advantage or Freddie Mac ChoiceHome), FHA Title II | 3% to 5% | Must carry a HUD certification label and be built after June 15, 1976 |
| Manufactured home, leased land or no permanent foundation | Chattel loan or FHA Title I | 5% to 20% | Higher rate, shorter term; about 42% of manufactured purchase loans nationally are chattel |
| Rural land or acreage, eligible address | USDA Section 502 guaranteed loan | 0% | Address and household income must both clear USDA’s eligibility tools |
A chattel loan and a USDA guaranteed loan can apply to properties three streets apart in 70517, and neither one is a variant of the 6.43% conventional rate quoted above.
Flood Risk and Insurance for Waterfront and Low-Lying Listings
An independent property-risk model cited by Redfin estimates that 50% of properties in the 70517 zip face a risk of severe flooding over the next 30 years, well above what a buyer relocating from a non-coastal state might expect from a zip that also contains ordinary in-town subdivisions. The same area carries an extreme wind-event rating tied to hurricane exposure, affecting 99% of properties.
FEMA’s Flood Map Service Center is the authoritative source for a specific address’s flood zone designation and the only version an insurer or lender will accept, since aggregated risk scores describe the zip code as a whole rather than any one parcel. FEMA also notes that homes in low- or moderate-risk zones are still five times more likely to see flood damage than fire damage over a 30-year span.
Do I need flood insurance on a bayou-front or riverfront lot in 70517?A parcel-specific FEMA flood zone determination through the Flood Map Service Center settles this for a given address. If a lender requires coverage, standard NFIP premiums can run under $400 a year even outside the mapped high-risk zone, per FEMA’s figures.
Schools Zoned to 70517
St. Martin Parish School District zones addresses in 70517 to Breaux Bridge Primary School, Breaux Bridge Elementary School, Breaux Bridge Junior High School, and Breaux Bridge High School. Two private options sit in the same zip: St. Bernard School and Louisiana Christian School.
Where to Verify Before You Offer
The figures above come from named sources, but each one needs a final, address-specific check before an offer goes in.
| Concern | Official Tool | What It Confirms |
|---|---|---|
| Flood zone | FEMA Flood Map Service Center | The parcel’s actual flood zone and whether flood insurance is mandatory |
| USDA loan eligibility | USDA Rural Development eligibility map | Whether the specific address, not the parish generally, qualifies for zero-down financing |
| Current mortgage rate | Freddie Mac Primary Mortgage Market Survey | This week’s average 30-year and 15-year fixed rate, published every Thursday |
| Property tax and homestead exemption | St. Martin Parish Assessor’s Office | The parcel’s assessed value and whether the $75,000 homestead exemption applies |
None of these four tools charges a fee to check, and each one answers a question a listing description cannot.
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