{"area":{"county":"Plaquemines Parish","state":"LA","stateName":"Louisiana","slug":"plaquemines-la","metro":"New Orleans-Metairie, LA HUD Metro FMR Area"},"homeValue":{"series":[{"date":"2021-04-01","value":256828},{"date":"2021-07-01","value":266582},{"date":"2021-10-01","value":264040},{"date":"2022-01-01","value":275377},{"date":"2022-04-01","value":279313},{"date":"2022-07-01","value":282900},{"date":"2022-10-01","value":278814},{"date":"2023-01-01","value":275675},{"date":"2023-04-01","value":275870},{"date":"2023-07-01","value":272549},{"date":"2023-10-01","value":278185},{"date":"2024-01-01","value":277763},{"date":"2024-04-01","value":272659},{"date":"2024-07-01","value":270344},{"date":"2024-10-01","value":269656},{"date":"2025-01-01","value":272115},{"date":"2025-04-01","value":278516},{"date":"2025-07-01","value":277355},{"date":"2025-10-01","value":285540},{"date":"2026-01-01","value":273412},{"date":"2026-04-01","value":277024}],"latest":277024,"yoy":-0.5356963334242916,"fiveYr":7.863628576323454,"sinceStart":327.1370420624152,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1480}],"latest":1480,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":86315,"population":22803,"povertyRate":12.878413026854393,"medianHomeValue":282900,"medianGrossRent":1573,"medianPropertyTax":1427},"hud":{"county":"Plaquemines Parish","year":"2027","perUnit":1480,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Louisiana","period":"11-2023 to 10-2025","window":{"from":"11-2023","to":"10-2025","fellBack":true},"violentCrime":{"total":36926,"ratePer100k":399.78874836001734},"propertyCrime":{"total":156668,"ratePer100k":1696.2060236166167},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"11-2023","to":"10-2025","fellBack":true},"priceToRentRatio":15.6,"ratioVerdict":"Borderline — at 15.6× the market leans renting (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":1.5256796272743456,"rentCagr":3,"cashFlow":{"price":277024,"monthlyRent":1480,"grossRent":1480,"downPct":20,"ratePct":6.75,"units":1,"state":"LA","down":55404.8,"loan":221619.2,"mortgagePI":1437.4179128297071,"monthlyTax":116.35008,"taxRatePct":0.504,"taxRateSource":"Census ACS county effective rate 0.50% ($1,427 tax ÷ $282,900 ACS median), applied to current value","monthlyInsurance":203.15093333333334,"insuranceRatePct":0.88,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":74,"egi":1406,"mgmtPct":10,"monthlyMgmt":148,"maintenancePct":5,"monthlyMaint":74,"capexPct":5,"monthlyCapex":74,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":615.5010133333333,"noi":790.4989866666667,"totalExpenses":2052.9189261630404,"cashFlow":-646.9189261630404,"annualCf":-7763.027113956485,"cocReturn":-14.011470331011905,"capRate":3.42424766085249},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-757.9189261630404,"delta":-111,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-691.3189261630405,"delta":-44,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-697.7066594963737,"delta":-51,"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":-874.4520510981602,"delta":-228,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −7.6% 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, 2007-07-01 → 2008-07-01, applied to rent","cashFlow":-731.7163415511592,"delta":-85,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-874.4520510981602,"baselineCashFlow":-646.9189261630404,"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":1.5256796272743456,"rentCagr":3,"totalRentPaid":136085.32833152305,"totalCashOutlay":225076.113224042,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","homeValueAfter":307998.59376688447,"equityBuilt":106796.12171516573,"netCostOfBuying":173684.79150887625,"buyingCheaper":false,"savings":37599.4631773532},"priceToIncome":{"ratio":3.2094537450037652,"price":277024,"medianIncome":86315,"label":"Moderate (3–5x — tighter budgets)"},"countyTaxRatePct":0.504,"countyTaxSource":"Census ACS county effective rate 0.50% ($1,427 tax ÷ $282,900 ACS median), applied to current value","dataCheck":{"status":"verified","checks":[{"metric":"home value (vintage update)","primary":277024,"secondary":282900,"primarySource":"current estimate (ACS county median × FHFA metro HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":0.98,"grade":"verified","consistent":true,"hidePoint":false},{"metric":"HUD fair market rent","primary":1480,"secondary":1573,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":0.94,"grade":"verified","consistent":true,"hidePoint":false}],"confidence":{"homeValue":{"label":"verified","ratio":0.98,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":277024,"high":282900}},"rent":{"label":"verified","ratio":0.94,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":1480,"high":1573}},"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 1.5%/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":0.98,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":277024,"high":282900}},"rent":{"label":"verified","ratio":0.94,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":1480,"high":1573}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Plaquemines Parish, LA is a moderate market — a 15.6x price-to-rent ratio is borderline, leaning renting; individual deals decide the outcome.","faqs":[{"q":"Is Plaquemines Parish, LA a good rental market?","a":"Mixed. Plaquemines Parish's 15.6x price-to-rent ratio is moderate; rentals can cash flow, but only on well-priced properties."},{"q":"What is the median home value in Plaquemines Parish?","a":"The typical home value in Plaquemines Parish is about $277,024 (county-level, Census ACS & FHFA metro HPI), down 0.5% year-over-year, and up 7.9% over five years."},{"q":"What is the median rent in Plaquemines Parish?","a":"The typical rent in Plaquemines Parish is about $1,480/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 Plaquemines Parish?","a":"Over a 7-year horizon, renting is cheaper in Plaquemines Parish by about $37,599 — buying only pays off if prices appreciate faster than projected."},{"q":"Is Plaquemines Parish affordable for homebuyers?","a":"Plaquemines Parish's median home value is 3.2x the local median household income — Moderate (3–5x — tighter budgets)."},{"q":"What is the property tax rate in Plaquemines Parish?","a":"Plaquemines Parish's effective property tax rate is about 0.50% of home value (Census ACS county effective rate 0.50% ($1,427 tax ÷ $282,900 ACS median), applied to current value), which on a $277,024 median home is roughly $116/mo."}],"takeaways":["The median home value in Plaquemines Parish, LA was $277,024 as of April 2026, down 0.5% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Plaquemines Parish, LA was $1,480/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Plaquemines Parish, LA has a price-to-rent ratio of 15.6 — a moderate reading where individual deals decide the outcome. (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=plaquemines-la","url":"https://areal.studio/functions/getCountyReport?slug=plaquemines-la"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T08:12:22.974Z","homeValueBasis":"FHFA metro HPI (quarterly, New Orleans-Metairie, LA HUD Metro FMR Area) × 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":"New Orleans-Metairie, LA HUD Metro FMR Area","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":277024,"countyFmr":1480,"countyRatio":null,"hpiLevel":"metro","hpiMetro":"New Orleans-Metairie, LA HUD Metro FMR Area"},"links":{"stateDir":"LA","stateName":"Louisiana","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}