{"area":{"county":"De Soto Parish","state":"LA","stateName":"Louisiana","slug":"de-soto-la","metro":"Shreveport-Bossier City, LA MSA"},"homeValue":{"series":[{"date":"2021-04-01","value":135535},{"date":"2021-07-01","value":140308},{"date":"2021-10-01","value":144236},{"date":"2022-01-01","value":147961},{"date":"2022-04-01","value":153335},{"date":"2022-07-01","value":154900},{"date":"2022-10-01","value":151784},{"date":"2023-01-01","value":155378},{"date":"2023-04-01","value":155208},{"date":"2023-07-01","value":156648},{"date":"2023-10-01","value":159548},{"date":"2024-01-01","value":160969},{"date":"2024-04-01","value":159096},{"date":"2024-07-01","value":161839},{"date":"2024-10-01","value":157709},{"date":"2025-01-01","value":157761},{"date":"2025-04-01","value":163672},{"date":"2025-07-01","value":162933},{"date":"2025-10-01","value":163103},{"date":"2026-01-01","value":165008},{"date":"2026-04-01","value":172949}],"latest":172949,"yoy":5.668043403880932,"fiveYr":27.604677758512565,"sinceStart":165.96081687888292,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1045}],"latest":1045,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":48578,"population":27026,"povertyRate":21.528971962616822,"medianHomeValue":154900,"medianGrossRent":687,"medianPropertyTax":540},"hud":{"county":"De Soto Parish","year":"2027","perUnit":1045,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Louisiana","period":"10-2024 to 09-2026","window":{"from":"10-2024","to":"09-2026","fellBack":false},"violentCrime":{"total":30651,"ratePer100k":331.8508618854707},"propertyCrime":{"total":120135,"ratePer100k":1300.6721898995472},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"10-2024","to":"09-2026","fellBack":false},"priceToRentRatio":13.8,"ratioVerdict":"Favorable for buying — price-to-rent favors owning (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":4.996837392692544,"rentCagr":3,"cashFlow":{"price":172949,"monthlyRent":1045,"grossRent":1045,"downPct":20,"ratePct":6.75,"units":1,"state":"LA","down":34589.8,"loan":138359.2,"mortgagePI":897.3951376270107,"monthlyTax":50.29933416666666,"taxRatePct":0.349,"taxRateSource":"Census ACS county effective rate 0.35% ($540 tax ÷ $154,900 ACS median), applied to current value","monthlyInsurance":126.82926666666668,"insuranceRatePct":0.88,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":52.25,"egi":992.75,"mgmtPct":10,"monthlyMgmt":104.5,"maintenancePct":5,"monthlyMaint":52.25,"capexPct":5,"monthlyCapex":52.25,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":386.12860083333334,"noi":606.6213991666666,"totalExpenses":1283.523738460344,"cashFlow":-290.77373846034413,"annualCf":-3489.2848615241296,"cocReturn":-10.087612132837222,"capRate":4.209019300487427},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-369.148738460344,"delta":-78,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-322.12373846034404,"delta":-31,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-322.4810551270108,"delta":-32,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-432.8250640653605,"delta":-142,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1984-01-01) (home values −8.7% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 1986-07-01 → 1987-07-01, applied to rent","cashFlow":-358.9682389727186,"delta":-68,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-432.8250640653605,"baselineCashFlow":-290.77373846034413,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":4.996837392692544,"rentCagr":3,"totalRentPaid":96087.27574759566,"totalCashOutlay":143904.19463195902,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","homeValueAfter":243305.3062076562,"equityBuilt":117692.48443455085,"netCostOfBuying":60801.51019740818,"buyingCheaper":true,"savings":35285.76555018748},"priceToIncome":{"ratio":3.5602330272963068,"price":172949,"medianIncome":48578,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":0.349,"countyTaxSource":"Census ACS county effective rate 0.35% ($540 tax ÷ $154,900 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":172949,"secondary":154900,"primarySource":"current estimate (ACS county median × FHFA metro HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.12,"grade":"verified","consistent":true,"hidePoint":false},{"metric":"HUD fair market rent","primary":1045,"secondary":687,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.52,"grade":"crosscheck","consistent":false,"hidePoint":true}],"confidence":{"homeValue":{"label":"verified","ratio":1.12,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":154900,"high":172949}},"rent":{"label":"crosscheck","ratio":1.52,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":687,"high":1045}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (228d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (14d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 5.0%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":228,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":14,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"verified","ratio":1.12,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":154900,"high":172949}},"rent":{"label":"crosscheck","ratio":1.52,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":687,"high":1045}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"De Soto Parish, LA leans favorable for buying: a price-to-rent ratio of 13.8 favors owning at the median, and modeled investor cash flow is negative, so this is owner-occupant math — not a claim of strong rental yield.","faqs":[{"q":"Is De Soto Parish, LA a good rental market?","a":"For owning at the median, yes — De Soto Parish's price-to-rent ratio of 13.8 is in the favorable range, but modeled investor cash flow is negative, so it is not a claim of strong rental yield."},{"q":"What is the median home value in De Soto Parish?","a":"The typical home value in De Soto Parish is about $172,949 (county-level, Census ACS & FHFA metro HPI), up 5.7% year-over-year, and up 27.6% over five years."},{"q":"What is the median rent in De Soto Parish?","a":"The typical rent in De Soto Parish is about $1,045/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in De Soto Parish?","a":"Over a 7-year horizon, buying is cheaper in De Soto Parish — roughly $35,286 ahead of renting, with about $117,692 in equity built."},{"q":"Is De Soto Parish affordable for homebuyers?","a":"De Soto Parish's median home value is 3.6x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in De Soto Parish?","a":"De Soto Parish's effective property tax rate is about 0.35% of home value (Census ACS county effective rate 0.35% ($540 tax ÷ $154,900 ACS median), applied to current value), which on a $172,949 median home is roughly $50/mo."}],"takeaways":["The median home value in De Soto Parish, LA was $172,949 as of April 2026, up 5.7% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in De Soto Parish, LA was $1,045/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","De Soto Parish, LA has a price-to-rent ratio of 13.8 — a reading that favors owning (owner-occupant math — not automatically strong investor cash flow). (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=de-soto-la","url":"https://areal.studio/functions/getCountyReport?slug=de-soto-la"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-15T11:14:51.975Z","homeValueBasis":"FHFA metro HPI (quarterly, Shreveport-Bossier City, LA MSA) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"metro","hpiMetro":"Shreveport-Bossier City, LA MSA","acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":172949,"countyFmr":1045,"countyRatio":null,"hpiLevel":"metro","hpiMetro":"Shreveport-Bossier City, LA MSA"},"links":{"stateDir":"LA","stateName":"Louisiana","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}