Total monthly cost of ownership
Cost to Own a Home in Chalmette, Louisiana
A $204,000 home here costs
$1,684per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,049. The real number is $635 higher every month — 61% 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.
Chalmette against St. Bernard Parish and Louisiana
| Measure | Chalmette | St. Bernard Parish |
|---|---|---|
| Median home value | $203,800 | $192,100 |
| Median property tax | $1,026 | $976 |
| Effective tax rate | 0.503% | 0.508% |
| Median gross rent | $1,089 | $1,083 |
| Population | 22,447 | 44,172 |
The weather behind that power bill
Chalmette sits in St. Bernard Parish, which averages a high of 90.7°F in its hottest month and a low of 42.4°F in its coldest, with 62.82" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,749 cooling and 1,507 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for St. Bernard Parish — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Bernard Parish
Full St. Bernard Parish cost breakdown · Every county in Louisiana
Common questions
How much does it cost to own a home in Chalmette?
A $204,000 home in Chalmette, Louisiana costs approximately $1,684 per month with 20% down at 6.66%. That is $1,049 principal and interest, $86 property tax, $184 homeowners insurance, $195 utilities and $170 set aside for maintenance.
What is the property tax rate in Chalmette?
Chalmette has an effective property tax rate of 0.503%, based on a median home value of $203,800 and median real estate taxes of $1,026. That is in line with the St. Bernard Parish average of 0.508%.
What is the average home price in Chalmette?
The median owner-occupied home value in Chalmette, Louisiana is $203,800, against $192,100 across St. Bernard Parish.
Is it cheaper to rent or buy in Chalmette?
Median gross rent in Chalmette is $1,089 a month, against $1,684 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 Chalmette — 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.