{"area":{"county":"Iberia Parish","state":"LA","stateName":"Louisiana","slug":"iberia-la","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":148521},{"date":"2021-07-01","value":153063},{"date":"2021-10-01","value":156228},{"date":"2022-01-01","value":161147},{"date":"2022-04-01","value":163752},{"date":"2022-07-01","value":164500},{"date":"2022-10-01","value":163644},{"date":"2023-01-01","value":162798},{"date":"2023-04-01","value":165680},{"date":"2023-07-01","value":166903},{"date":"2023-10-01","value":166527},{"date":"2024-01-01","value":166151},{"date":"2024-04-01","value":168102},{"date":"2024-07-01","value":165276},{"date":"2024-10-01","value":167444},{"date":"2025-01-01","value":169828},{"date":"2025-04-01","value":170002},{"date":"2025-07-01","value":170853},{"date":"2025-10-01","value":173162},{"date":"2026-01-01","value":172048},{"date":"2026-04-01","value":172781}],"latest":172781,"yoy":1.6346866507452853,"fiveYr":16.33439042290316,"sinceStart":267.415897588568,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":981}],"latest":981,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":56961,"population":68599,"povertyRate":22.839187454821722,"medianHomeValue":164500,"medianGrossRent":897,"medianPropertyTax":593},"hud":{"county":"Iberia Parish","year":"2027","perUnit":981,"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":14.7,"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":3.072645498821469,"rentCagr":3,"cashFlow":{"price":172781,"monthlyRent":981,"grossRent":981,"downPct":20,"ratePct":6.75,"units":1,"state":"LA","down":34556.200000000004,"loan":138224.8,"mortgagePI":896.5234217852228,"monthlyTax":51.83429999999999,"taxRatePct":0.36,"taxRateSource":"Census ACS county effective rate 0.36% ($593 tax ÷ $164,500 ACS median), applied to current value","monthlyInsurance":126.70606666666667,"insuranceRatePct":0.88,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":49.050000000000004,"egi":931.95,"mgmtPct":10,"monthlyMgmt":98.10000000000001,"maintenancePct":5,"monthlyMaint":49.050000000000004,"capexPct":5,"monthlyCapex":49.050000000000004,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":374.7403666666667,"noi":557.2096333333334,"totalExpenses":1271.2637884518895,"cashFlow":-339.3137884518894,"annualCf":-4071.765461422673,"cocReturn":-11.783024352859032,"capRate":3.8699368564830623},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-412.88878845188947,"delta":-74,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-368.7437884518895,"delta":-29,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-370.9903051185561,"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":-481.2271275828489,"delta":-142,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −3.0% over 9 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, 2010-04-01 → 2011-01-01, applied to rent","cashFlow":-361.72471820916144,"delta":-22,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-481.2271275828489,"baselineCashFlow":-339.3137884518894,"framing":"underwater","confidenceLabel":"verified","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":3.072645498821469,"rentCagr":3,"totalRentPaid":90202.504792719,"totalCashOutlay":141841.0831604669,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","homeValueAfter":213550.18098985052,"equityBuilt":88059.37758087511,"netCostOfBuying":88337.90557959178,"buyingCheaper":true,"savings":1864.5992131272214},"priceToIncome":{"ratio":3.0333210442232406,"price":172781,"medianIncome":56961,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":0.36,"countyTaxSource":"Census ACS county effective rate 0.36% ($593 tax ÷ $164,500 ACS median), applied to current value","dataCheck":{"status":"verified","checks":[{"metric":"home value (vintage update)","primary":172781,"secondary":164500,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.05,"grade":"verified","consistent":true,"hidePoint":false},{"metric":"HUD fair market rent","primary":981,"secondary":897,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.09,"grade":"verified","consistent":true,"hidePoint":false}],"confidence":{"homeValue":{"label":"verified","ratio":1.05,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":164500,"high":172781}},"rent":{"label":"verified","ratio":1.09,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":897,"high":981}},"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 (227d 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 (13d 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 3.1%/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":227,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":13,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"verified","ratio":1.05,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":164500,"high":172781}},"rent":{"label":"verified","ratio":1.09,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":897,"high":981}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Iberia Parish, LA leans favorable for buying: a price-to-rent ratio of 14.7 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 Iberia Parish, LA a good rental market?","a":"For owning at the median, yes — Iberia Parish's price-to-rent ratio of 14.7 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 Iberia Parish?","a":"The typical home value in Iberia Parish is about $172,781 (county-level, Census ACS & FHFA state HPI), up 1.6% year-over-year, and up 16.3% over five years."},{"q":"What is the median rent in Iberia Parish?","a":"The typical rent in Iberia Parish is about $981/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 Iberia Parish?","a":"Over a 7-year horizon, buying is cheaper in Iberia Parish — roughly $1,865 ahead of renting, with about $88,059 in equity built."},{"q":"Is Iberia Parish affordable for homebuyers?","a":"Iberia Parish's median home value is 3.0x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Iberia Parish?","a":"Iberia Parish's effective property tax rate is about 0.36% of home value (Census ACS county effective rate 0.36% ($593 tax ÷ $164,500 ACS median), applied to current value), which on a $172,781 median home is roughly $52/mo."}],"takeaways":["The median home value in Iberia Parish, LA was $172,781 as of April 2026, up 1.6% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Iberia Parish, LA was $981/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Iberia Parish, LA has a price-to-rent ratio of 14.7 — 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=iberia-la","url":"https://areal.studio/functions/getCountyReport?slug=iberia-la"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T09:29:57.513Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"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":172781,"countyFmr":981,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"LA","stateName":"Louisiana","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}