{"area":{"county":"Jackson Parish","state":"LA","stateName":"Louisiana","slug":"jackson-la","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":104371},{"date":"2021-07-01","value":107563},{"date":"2021-10-01","value":109787},{"date":"2022-01-01","value":113244},{"date":"2022-04-01","value":115075},{"date":"2022-07-01","value":115600},{"date":"2022-10-01","value":114999},{"date":"2023-01-01","value":114404},{"date":"2023-04-01","value":116429},{"date":"2023-07-01","value":117289},{"date":"2023-10-01","value":117024},{"date":"2024-01-01","value":116760},{"date":"2024-04-01","value":118131},{"date":"2024-07-01","value":116145},{"date":"2024-10-01","value":117669},{"date":"2025-01-01","value":119344},{"date":"2025-04-01","value":119466},{"date":"2025-07-01","value":120065},{"date":"2025-10-01","value":121687},{"date":"2026-01-01","value":120904},{"date":"2026-04-01","value":121419}],"latest":121419,"yoy":1.6347747476269399,"fiveYr":16.334039148805704,"sinceStart":267.41307834296606,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":892}],"latest":892,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":44925,"population":14884,"povertyRate":22.298785252539606,"medianHomeValue":115600,"medianGrossRent":736,"medianPropertyTax":352},"hud":{"county":"Jackson Parish","year":"2027","perUnit":892,"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":11.3,"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":3.0725832442272116,"rentCagr":3,"cashFlow":{"price":121419,"monthlyRent":892,"grossRent":892,"downPct":20,"ratePct":6.75,"units":1,"state":"LA","down":24283.800000000003,"loan":97135.2,"mortgagePI":630.0170582977294,"monthlyTax":30.759479999999996,"taxRatePct":0.304,"taxRateSource":"Census ACS county effective rate 0.30% ($352 tax ÷ $115,600 ACS median), applied to current value","monthlyInsurance":89.0406,"insuranceRatePct":0.88,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":44.6,"egi":847.4,"mgmtPct":10,"monthlyMgmt":89.2,"maintenancePct":5,"monthlyMaint":44.6,"capexPct":5,"monthlyCapex":44.6,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":298.20008,"noi":549.19992,"totalExpenses":928.2171382977294,"cashFlow":-80.81713829772934,"annualCf":-969.8056595727521,"cocReturn":-3.993632213956432,"capRate":5.427815284263583},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-147.71713829772932,"delta":-67,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-107.57713829772933,"delta":-27,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-103.07728829772941,"delta":-22,"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":-180.54439837807377,"delta":-100,"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":-101.18839840688838,"delta":-20,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-180.54439837807377,"baselineCashFlow":-80.81713829772934,"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":3.0725832442272116,"rentCagr":3,"totalRentPaid":82018.99518359362,"totalCashOutlay":99676.44102921552,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","homeValueAfter":150068.2355122652,"equityBuilt":61881.64173682456,"netCostOfBuying":62078.599292390965,"buyingCheaper":true,"savings":19940.395891202657},"priceToIncome":{"ratio":2.7027045075125207,"price":121419,"medianIncome":44925,"label":"Affordable (≤3x income — historical rule of thumb)"},"countyTaxRatePct":0.304,"countyTaxSource":"Census ACS county effective rate 0.30% ($352 tax ÷ $115,600 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":121419,"secondary":115600,"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":892,"secondary":736,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.21,"grade":"crosscheck","consistent":false,"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":115600,"high":121419}},"rent":{"label":"crosscheck","ratio":1.21,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":736,"high":892}},"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":115600,"high":121419}},"rent":{"label":"crosscheck","ratio":1.21,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":736,"high":892}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Jackson Parish, LA leans favorable for buying: a price-to-rent ratio of 11.3 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 Jackson Parish, LA a good rental market?","a":"For owning at the median, yes — Jackson Parish's price-to-rent ratio of 11.3 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 Jackson Parish?","a":"The typical home value in Jackson Parish is about $121,419 (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 Jackson Parish?","a":"The typical rent in Jackson Parish is about $892/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 Jackson Parish?","a":"Over a 7-year horizon, buying is cheaper in Jackson Parish — roughly $19,940 ahead of renting, with about $61,882 in equity built."},{"q":"Is Jackson Parish affordable for homebuyers?","a":"Jackson Parish's median home value is 2.7x the local median household income — Affordable (≤3x income — historical rule of thumb)."},{"q":"What is the property tax rate in Jackson Parish?","a":"Jackson Parish's effective property tax rate is about 0.30% of home value (Census ACS county effective rate 0.30% ($352 tax ÷ $115,600 ACS median), applied to current value), which on a $121,419 median home is roughly $31/mo."}],"takeaways":["The median home value in Jackson Parish, LA was $121,419 as of April 2026, up 1.6% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Jackson Parish, LA was $892/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Jackson Parish, LA has a price-to-rent ratio of 11.3 — 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=jackson-la","url":"https://areal.studio/functions/getCountyReport?slug=jackson-la"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T07:21:51.369Z","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":121419,"countyFmr":892,"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)"]}