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City · 5,436 residents · Lafourche Parish, Louisiana

Chackbay , Louisiana

In Chackbay, a typical home is worth $217,000. Compared with all of Lafourche Parish, the typical home value is 12% higher and the share of households that own their home is 14 points higher.

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  • Typical home value

    $217,000

    12% above the parish

    About the same as Louisiana

    • Chackbay
    • Lafourche
    • Louisiana

  • Typical household income

    $65,968a year

    4% above the parish

    9% above Louisiana

    • Chackbay
    • Lafourche
    • Louisiana

  • Households that own their home

    94%

    14 points above the parish

    26 points above Louisiana

    • Chackbay
    • Lafourche
    • Louisiana

Source: U.S. Census Bureau, Average 2020–2024

Chackbay is in Lafourche Parish. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lafourche Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chackbay apart

What this place has that others do not, from public data, most unusual first.

  1. Chackbay has the highest homeownership rate of the 96 cities in Louisiana with more than 5,000 people: 94%.

  2. Chackbay has the 2nd largest share of rent-burdened renters of the 83 cities in Louisiana with more than 5,000 people (79%).

  3. Nearby, in Gray, the typical home value is $139,400: 36% less than in Chackbay ($217,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Chackbay

What homes there are in Chackbay, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Lafourche Parish, most homes in Chackbay are detached houses (74%).

In Chackbay there are many mobile homes: 26% of homes; in Lafourche Parish, 17%.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Chackbay sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,486 a month

Lafourche Parish: $1,508 a month

Without a mortgage

$379 a month

Lafourche Parish: $400 a month

Owners with a mortgage

55%

Lafourche Parish: 45%

Owning costs about the same in Chackbay as in Lafourche Parish: with a mortgage, $1,486 a month; without one, $379.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Chackbay rose 31%; in Lafourche Parish, it rose 23%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureChackbayLafourche ParishLouisianaUnited States
Rental vacancy Unreliable estimate7.3%7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.9%2.3%3.4%
People per household 2.562.482.492.53
Drive alone 79%81%79%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%8%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Chackbay look like those in Lafourche Parish: 2.56 people on average.

To get to work, 79% of workers in Chackbay drive alone; in Lafourche Parish, 81%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Chackbay?

A typical home is tight for the typical income

We start with a typical home in Chackbay, worth $217,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Chackbay, which is $65,968 a year. For that payment to be 28% of income, a household would need to earn about $71,864 a year.

The calculator's FHA and conventional loan limits are those of all of Lafourche Parish.

Your numbers

Local data
$

Starts at the typical home value in Chackbay. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,595 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,677

at 7.18% · 30 years

Loan amount
$213,070
Total interest
$306,557
Paid off in
November 2056

Includes $3,665 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,539 a month

  • Tight

    $1,539 to $1,979 a month

    Your payment · 31%

  • Hard

    more than $1,979 a month

Compared with the typical household income in Chackbay ($65,968 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,677
Principal & interest$1,443
Property tax$47
Home insurance$90
FHA mortgage insurance (MIP)$96

You need at least $7,595 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Chackbay and Lafourche Parish

Chackbay is in Lafourche Parish, Louisiana. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Chackbay's own numbers

Typical home value
$217,000
Typical yearly household income
$65,968
Households that own their home
94%
Effective property tax rate
0.26%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lafourche Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,098
Price change over 5 years (FHFA)
+21%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lafourche Parish.

Everything about Lafourche Parish

Buying

Buying a home in Chackbay

A typical home in Chackbay is worth $217,000: 12% above the parish and about the same as Louisiana. With the typical household income in Chackbay ($65,968 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Chackbay 3.3 years
  • Lafourche 3.1 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lafourche Parish

According to FHFA’s house price index, home prices in Lafourche Parish rose 28% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lafourche Parish.

Period Parish Louisiana U.S.
Last year (2025) +0.3% +1.8% +2.9%
5 years (2020–2025) +21% +22% +47%
10 years (2015–2025) +28% +38% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Chackbay next to Lafourche Parish, Louisiana and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Chackbay $217,000
  • Lafourche $193,900
  • Louisiana $216,500
  • United States $332,700
Typical yearly household income
  • Chackbay $65,968
  • Lafourche $63,135
  • Louisiana $60,756
  • United States $80,734
See the full table
Chackbay next to Lafourche Parish and Louisiana
Measure Chackbay Lafourche Parish Louisiana U.S.
Typical home value $217,000 $193,900 $216,500 $332,700
Typical yearly household income $65,968 $63,135 $60,756 $80,734
Households that own their home 94% 80% 67% 65%
Typical yearly property tax $558 $1,038 $1,180 $3,119
Effective property tax rate 0.26% 0.54% 0.55% 0.94%
Renters with high rent for their income 79% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lafourche Parish. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Chackbay

For a typical $217,000 home in Chackbay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chackbay's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,677a month

    Least cash to close
    Down payment
    $7,595
    Cash to close
    $14,105
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $96

  • Conventional, 5% down $1,637a month

    Down payment
    $10,850
    Cash to close
    $17,360
    Rate
    7.18%
    Mortgage insurance
    PMI · $103

  • Conventional, 20% down, no PMI $1,313a month

    Down payment
    $43,400
    Cash to close
    $49,910
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,514a month

    Down payment
    $32,550
    Cash to close
    $39,060
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Chackbay and for Lafourche Parish.

Property tax

Effective rate in Chackbay

0.26%of the home’s value each year

$558 a year for the typical owner in Chackbay.

  • Chackbay 0.26%
  • Lafourche 0.54%
  • Louisiana 0.55%

What Louisiana publishes Homestead exemption: $7,500 of assessed value (Louisiana State Legislature (Louisiana Constitution))

Exemptions and deadlines in Louisiana

Flood risk in Lafourche Parish

FEMA does not publish these numbers by city: they are for all of Lafourche Parish.

FEMA’s maps count no homes in the high-risk zone in Lafourche Parish. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chackbay

The Census Bureau publishes no typical rent for Chackbay. Below are the fair market rents for Lafourche Parish. In Chackbay, 79% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lafourche Parish, by unit size. To pay the 2-bedroom one ($1,098 a month) without spending more than 30% of your income, you would need to earn $21.12 an hour working full time.

HUD fair market rent for all of Lafourche Parish

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $765 $14.71 $30,600
1 bedroom $903 $17.37 $36,120
2 bedrooms $1,098 $21.12 $43,920
3 bedrooms $1,335 $25.67 $53,400
4 bedrooms $1,443 $27.75 $57,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Chackbay

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chackbay is in ZIP code 70301.

For 2 bedrooms it is $1,110: $12 more than the fair market rent for Lafourche Parish ($1,098).

  • 70301 $1,110$1,350

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chackbay when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Chackbay

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Lafourche Parish. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Chackbay

No down payment, repair or rent-help program on our list is for Chackbay or Lafourche Parish. The ones below are statewide in Louisiana: they work in Chackbay the same as in the rest of the state.

Which programs do I qualify for? All programs in Louisiana

  • HomeStart Assist

    Statewide in Louisiana

    Louisiana state corporation 30-year mortgage for first-time buyers with 4% of the loan in assistance, as a 0% second mortgage forgiven after 60 months. Offered by Louisiana Housing Corporation (LHC).

    Forgivable

    See the program Official page

  • HomeStart Advantage

    Statewide in Louisiana

    Louisiana state corporation 30-year mortgage with 4% of the loan in assistance, as a 0% second mortgage forgiven after 60 months; you do not need to be a first-time buyer, but you cannot own another home at closing. Offered by Louisiana Housing Corporation (LHC).

    Forgivable

    See the program Official page

Housing counselors near Chackbay

The HUD-approved agencies closest to the center of Chackbay, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Integrity Homebuyer Association, Incorporated

    2107 S Burnside Ave Ste 5, Gonzales · 26 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (225) 644-6705

  • Jefferson Community Action Programs

    1221 Elmwood Park Blvd, New Orleans · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (504) 736-6900

  • NSC (naca Counseling Subsidiary) - Baton Rouge, LA

    10101 Siegen Ln Bldg 2 Ste B, Baton Rouge · 38 miles away · Spanish

    • Budget and financial counseling
    • Workshops for new owners
    • and 2 more
    (225) 767-9224

All counseling agencies in Louisiana

Help in Spanish near Chackbay

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Chackbay

HUD’s record names them for Chackbay or Lafourche Parish. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Lafourche Parish: see the list Source: HUD

Cities

Other cities in Lafourche Parish

These cities are also in Lafourche Parish. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lafourche Parish Housing in Louisiana

Nearby cities

The cities closest to Chackbay, with the typical home value.

Neighboring counties

If Lafourche Parish is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Chackbay.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Chackbay

Short answers with the numbers for Chackbay and all of Lafourche Parish. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Chackbay?

The typical home value in Chackbay is $217,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lafourche Parish it is $193,900.

What is the FHA loan limit in Chackbay?

Chackbay uses the FHA limit for all of Lafourche Parish (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Chackbay?

The typical homeowner in Chackbay pays $558 a year, according to the U.S. Census Bureau. That is 0.26% of the home’s value; in Lafourche Parish, the rate is 0.54%.

Where can I find free help to buy or rent in Chackbay?

We found no HUD-approved counseling agencies with an office in Lafourche Parish; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).