{"area":{"county":"Pointe Coupee Parish","state":"LA","stateName":"Louisiana","slug":"pointe-coupee-la","metro":"Baton Rouge, LA HUD Metro FMR Area"},"homeValue":{"series":[{"date":"2021-04-01","value":159924},{"date":"2021-07-01","value":167246},{"date":"2021-10-01","value":171829},{"date":"2022-01-01","value":177168},{"date":"2022-04-01","value":179534},{"date":"2022-07-01","value":179300},{"date":"2022-10-01","value":180829},{"date":"2023-01-01","value":179870},{"date":"2023-04-01","value":186339},{"date":"2023-07-01","value":185785},{"date":"2023-10-01","value":182918},{"date":"2024-01-01","value":184171},{"date":"2024-04-01","value":188295},{"date":"2024-07-01","value":189046},{"date":"2024-10-01","value":185535},{"date":"2025-01-01","value":192921},{"date":"2025-04-01","value":189499},{"date":"2025-07-01","value":191519},{"date":"2025-10-01","value":197013},{"date":"2026-01-01","value":196651},{"date":"2026-04-01","value":192995}],"latest":192995,"yoy":1.8448646166998244,"fiveYr":20.679197618868965,"sinceStart":262.1666760494661,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1149}],"latest":1149,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":65961,"population":20217,"povertyRate":16.472529120631904,"medianHomeValue":179300,"medianGrossRent":817,"medianPropertyTax":565},"hud":{"county":"Pointe Coupee Parish","year":"2027","perUnit":1149,"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,"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":3.8314019723779458,"rentCagr":3,"cashFlow":{"price":192995,"monthlyRent":1149,"grossRent":1149,"downPct":20,"ratePct":6.75,"units":1,"state":"LA","down":38599,"loan":154396,"mortgagePI":1001.4095171774622,"monthlyTax":50.661187500000004,"taxRatePct":0.315,"taxRateSource":"Census ACS county effective rate 0.32% ($565 tax ÷ $179,300 ACS median), applied to current value","monthlyInsurance":141.52966666666666,"insuranceRatePct":0.88,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":57.45,"egi":1091.55,"mgmtPct":10,"monthlyMgmt":114.9,"maintenancePct":5,"monthlyMaint":57.45,"capexPct":5,"monthlyCapex":57.45,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":421.9908541666666,"noi":669.5591458333333,"totalExpenses":1423.4003713441289,"cashFlow":-331.8503713441289,"annualCf":-3982.204456129547,"cocReturn":-10.316859131401195,"capRate":4.163169900774631},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-418.02537134412887,"delta":-86,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-366.32037134412894,"delta":-34,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-367.2327880107956,"delta":-35,"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":-490.3664401571323,"delta":-159,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −4.7% 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, 2010-07-01 → 2011-07-01, applied to rent","cashFlow":-372.02782232452114,"delta":-40,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-490.3664401571323,"baselineCashFlow":-331.8503713441289,"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":3.8314019723779458,"rentCagr":3,"totalRentPaid":105650.02854927025,"totalCashOutlay":159266.30990048646,"insuranceBasis":"Insurance: state-level estimate (LA avg 0.88%/yr)","homeValueAfter":251100.214778189,"equityBuilt":110927.98748516926,"netCostOfBuying":86937.3224153172,"buyingCheaper":true,"savings":18712.70613395305},"priceToIncome":{"ratio":2.9258956049786997,"price":192995,"medianIncome":65961,"label":"Affordable (≤3x income — historical rule of thumb)"},"countyTaxRatePct":0.315,"countyTaxSource":"Census ACS county effective rate 0.32% ($565 tax ÷ $179,300 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":192995,"secondary":179300,"primarySource":"current estimate (ACS county median × FHFA metro HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.08,"grade":"verified","consistent":true,"hidePoint":false},{"metric":"HUD fair market rent","primary":1149,"secondary":817,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.41,"grade":"crosscheck","consistent":false,"hidePoint":true}],"confidence":{"homeValue":{"label":"verified","ratio":1.08,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":179300,"high":192995}},"rent":{"label":"crosscheck","ratio":1.41,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":817,"high":1149}},"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 3.8%/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":1.08,"sources":["current estimate (ACS county median × FHFA metro HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":179300,"high":192995}},"rent":{"label":"crosscheck","ratio":1.41,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":817,"high":1149}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Pointe Coupee Parish, LA leans favorable for buying: a price-to-rent ratio of 14.0 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 Pointe Coupee Parish, LA a good rental market?","a":"For owning at the median, yes — Pointe Coupee Parish's price-to-rent ratio of 14.0 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 Pointe Coupee Parish?","a":"The typical home value in Pointe Coupee Parish is about $192,995 (county-level, Census ACS & FHFA metro HPI), up 1.8% year-over-year, and up 20.7% over five years."},{"q":"What is the median rent in Pointe Coupee Parish?","a":"The typical rent in Pointe Coupee Parish is about $1,149/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 Pointe Coupee Parish?","a":"Over a 7-year horizon, buying is cheaper in Pointe Coupee Parish — roughly $18,713 ahead of renting, with about $110,928 in equity built."},{"q":"Is Pointe Coupee Parish affordable for homebuyers?","a":"Pointe Coupee Parish's median home value is 2.9x the local median household income — Affordable (≤3x income — historical rule of thumb)."},{"q":"What is the property tax rate in Pointe Coupee Parish?","a":"Pointe Coupee Parish's effective property tax rate is about 0.32% of home value (Census ACS county effective rate 0.32% ($565 tax ÷ $179,300 ACS median), applied to current value), which on a $192,995 median home is roughly $51/mo."}],"takeaways":["The median home value in Pointe Coupee Parish, LA was $192,995 as of April 2026, up 1.8% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Pointe Coupee Parish, LA was $1,149/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Pointe Coupee Parish, LA has a price-to-rent ratio of 14.0 — 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=pointe-coupee-la","url":"https://areal.studio/functions/getCountyReport?slug=pointe-coupee-la"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-15T11:10:32.546Z","homeValueBasis":"FHFA metro HPI (quarterly, Baton Rouge, 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":"Baton Rouge, 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":192995,"countyFmr":1149,"countyRatio":null,"hpiLevel":"metro","hpiMetro":"Baton Rouge, 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)"]}