Total monthly cost of ownership
Cost to Own a Home in Chackbay, Louisiana
A $229,000 home here costs
$1,851per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,177. The real number is $674 higher every month — 57% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Chackbay against Lafourche Parish and Louisiana
| Measure | Chackbay | Lafourche Parish |
|---|---|---|
| Median home value | $229,000 | $190,800 |
| Median property tax | $976 | $951 |
| Effective tax rate | 0.426% | 0.498% |
| Median gross rent | $838 | $933 |
| Population | 5,287 | 96,670 |
The weather behind that power bill
Chackbay sits in Lafourche Parish, which averages a high of 89.4°F in its hottest month and a low of 44.8°F in its coldest, with 66.68" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,886 cooling and 1,267 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Lafourche Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lafourche Parish
Full Lafourche Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Chackbay?
A $229,000 home in Chackbay, Louisiana costs approximately $1,851 per month with 20% down at 6.66%. That is $1,177 principal and interest, $81 property tax, $207 homeowners insurance, $195 utilities and $191 set aside for maintenance.
What is the property tax rate in Chackbay?
Chackbay has an effective property tax rate of 0.426%, based on a median home value of $229,000 and median real estate taxes of $976. That is lower than the Lafourche Parish average of 0.498%.
What is the average home price in Chackbay?
The median owner-occupied home value in Chackbay, Louisiana is $229,000, against $190,800 across Lafourche Parish.
Is it cheaper to rent or buy in Chackbay?
Median gross rent in Chackbay is $838 a month, against $1,851 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Chackbay — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Louisiana.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.