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City · 22,616 residents · St. Bernard Parish, Louisiana

Chalmette , Louisiana

In Chalmette, a typical home is worth $214,700 and typical rent is $1,110 a month. Compared with all of St. Bernard Parish, typical household income is 6% lower, the typical home value is 6% higher, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $214,700

    6% above the parish

    About the same as Louisiana

    • Chalmette
    • St. Bernard
    • Louisiana

  • Typical rent

    $1,110a month

    3% above the parish

    4% above Louisiana

    • Chalmette
    • St. Bernard
    • Louisiana

  • Typical household income

    $54,904a year

    6% below the parish

    10% below Louisiana

    • Chalmette
    • St. Bernard
    • Louisiana

  • Households that own their home

    61%

    9 points below the parish

    6 points below Louisiana

    • Chalmette
    • St. Bernard
    • Louisiana

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

Market now, with Zillow data

Zillow data
Typical home value
$214,805
3% more than 12 months ago
Typical rent
$1,404 a month
4.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Chalmette is in St. Bernard 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 St. Bernard Parish. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chalmette apart

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

  1. 61% of households in Chalmette own their home, against 70% in St. Bernard Parish.

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

The homes here

Housing in Chalmette

What homes there are in Chalmette, 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

The detached house is still the most common home in Chalmette, but it weighs less than in St. Bernard Parish: 65% against 72%.

Year built

In Chalmette, half of the homes were built before 1978; in St. Bernard Parish, before 1981.

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

At least 97% of owner-occupied homes in Chalmette are worth less than $500,000, below the FHA loan limit for St. Bernard Parish ($541,287).

Monthly rent with utilities

With a mortgage

$1,530 a month

St. Bernard Parish: $1,382 a month

Without a mortgage

$406 a month

St. Bernard Parish: $399 a month

Owners with a mortgage

56%

St. Bernard Parish: 56%

In Chalmette, 56% of owners have a mortgage, and their typical cost is $1,530 a month, against $1,382 in St. Bernard Parish. Without one it drops to $406.

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

The typical home value in Chalmette rose 40% since 2015–2019, more than in St. Bernard Parish (34%).

Much as in St. Bernard Parish, the typical rent in Chalmette rose 16% since 2015–2019.

To compare: typical income in Chalmette rose 25%; the home, +40%; the rent, +16%.

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

MeasureChalmetteSt. Bernard ParishLouisianaUnited States
Rental vacancy Unreliable estimate5.1%7.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room 4.2%4.0%2.3%3.4%
People per household 2.702.722.492.53
Drive alone 75%76%79%69%
Carpool 11%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%8%8%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in St. Bernard Parish, 4.2% of households in Chalmette have more than one person per room.

By size, households in Chalmette look like those in St. Bernard Parish: 2.70 people on average.

To get to work, 75% of workers in Chalmette drive alone; in St. Bernard Parish, 76%.

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 Chalmette?

A typical home costs more than the typical income allows

We start with a typical home in Chalmette, worth $214,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Chalmette, which is $54,904 a year. For that payment to be 28% of income, a household would need to earn about $72,712 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Chalmette. 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 $7,515 (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

$1,697

at 7.18% · 30 years

Loan amount
$210,811
Total interest
$303,307
Paid off in
November 2056

Includes $3,626 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,281 a month

  • Tight

    $1,281 to $1,647 a month

  • Hard

    more than $1,647 a month

    Your payment · 37%

Compared with the typical household income in Chalmette ($54,904 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,697
Principal & interest$1,428
Property tax$84
Home insurance$90
FHA mortgage insurance (MIP)$95

You need at least $7,515 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

Chalmette and St. Bernard Parish

Chalmette is in St. Bernard 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).

Chalmette's own numbers

Typical home value
$214,700
Typical monthly rent
$1,110
Typical yearly household income
$54,904
Households that own their home
61%
Effective property tax rate
0.47%

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

Numbers for all of St. Bernard Parish

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,480
Price change over 5 years (FHFA)
+22%
Homes in a high flood-risk zone
13%

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 St. Bernard Parish.

Everything about St. Bernard Parish

Buying

Buying a home in Chalmette

A typical home in Chalmette is worth $214,700: 6% above the parish and about the same as Louisiana. With the typical household income in Chalmette ($54,904 a year), a typical home costs 3.9 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.

  • Chalmette 3.9 years
  • St. Bernard 3.5 years
  • Louisiana 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Bernard Parish

According to FHFA’s house price index, home prices in St. Bernard Parish rose 57% in the 10 years through 2025.

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

Period Parish Louisiana U.S.
Last year (2025) −0.4% +1.8% +2.9%
5 years (2020–2025) +22% +22% +47%
10 years (2015–2025) +57% +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

Chalmette next to St. Bernard 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
  • Chalmette $214,700
  • St. Bernard $202,500
  • Louisiana $216,500
  • United States $332,700
Typical monthly rent
  • Chalmette $1,110
  • St. Bernard $1,082
  • Louisiana $1,064
  • United States $1,413
Typical yearly household income
  • Chalmette $54,904
  • St. Bernard $58,651
  • Louisiana $60,756
  • United States $80,734
See the full table
Chalmette next to St. Bernard Parish and Louisiana
Measure Chalmette St. Bernard Parish Louisiana U.S.
Typical home value $214,700 $202,500 $216,500 $332,700
Typical monthly rent $1,110 $1,082 $1,064 $1,413
Typical yearly household income $54,904 $58,651 $60,756 $80,734
Households that own their home 61% 70% 67% 65%
Typical yearly property tax $1,014 $961 $1,180 $3,119
Effective property tax rate 0.47% 0.47% 0.55% 0.94%
Renters with high rent for their income 57% 60% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Bernard 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 Chalmette

For a typical $214,700 home in Chalmette, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chalmette's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,697a month

    Least cash to close
    Down payment
    $7,515
    Cash to close
    $13,956
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $95

  • Conventional, 5% down $1,657a month

    Down payment
    $10,735
    Cash to close
    $17,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $102

  • Conventional, 20% down, no PMI $1,337a month

    Down payment
    $42,940
    Cash to close
    $49,381
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,536a month

    Down payment
    $32,205
    Cash to close
    $38,646
    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 Chalmette and for St. Bernard Parish.

Property tax

Effective rate in Chalmette

0.47%of the home’s value each year

$1,014 a year for the typical owner in Chalmette.

  • Chalmette 0.47%
  • St. Bernard 0.47%
  • 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 St. Bernard Parish

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

Homes in the high-risk zone
13%
1,922
Of those, with NFIP insurance
—
Parish Louisiana U.S.
Homes in the high-risk zone 13% 15% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chalmette

Typical rent in Chalmette is $1,110 a month: 3% above the parish. In Chalmette, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Bernard Parish, by unit size. To pay the 2-bedroom one ($1,480 a month) without spending more than 30% of your income, you would need to earn $28.46 an hour working full time.

HUD fair market rent for all of St. Bernard 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 $1,096 $21.08 $43,840
1 bedroom $1,229 $23.63 $49,160
2 bedrooms $1,480 $28.46 $59,200
3 bedrooms $1,900 $36.54 $76,000
4 bedrooms $2,233 $42.94 $89,320

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 Chalmette

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chalmette is in ZIP code 70043.

For 2 bedrooms it is $1,340: $140 less than the fair market rent for St. Bernard Parish ($1,480).

  • 70043 $1,340$1,720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chalmette 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?

Low-income apartments

Low-income apartments in Chalmette

HUD lists 4 buildings with rents for lower incomes in Chalmette. These are the largest.

  • Magnolia Parks Apts 4000 Rose St, Chalmette 70043 72 homes, 50 low-income · 2 bd: 12 · 3 bd: 8 · In service since 2011 · For families
  • Riverview Apts 8149 W Saint Bernard Hwy, Chalmette 70043 72 homes, 50 low-income · 2 bd: 12 · 3 bd: 8 · In service since 2011 · For families
  • Wood Crest / the Woodlands 7900 Patricia St, Chalmette 70043 72 homes, 50 low-income · 2 bd: 11 · 3 bd: 9 · In service since 2011
  • Parc Place Apartments 8120 W Judge Perez Dr, Chalmette 70043 72 homes · 2 bd: 12 · 3 bd: 8 · In service since 2011 · For families

See all 6 buildings in St. Bernard Parish Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Chalmette

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 St. Bernard Parish. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Chalmette

No down payment, repair or rent-help program on our list is for Chalmette or St. Bernard Parish. The ones below are statewide in Louisiana: they work in Chalmette 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 Chalmette

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

  • NSC (naca Counseling Subsidiary) - New Orleans, LA

    10555 Lake Forest Blvd Ste 3J, New Orleans · 6 miles away · Spanish

    (504) 241-2090

  • Family Resources of New Orleans

    817 N Claiborne Ave, New Orleans · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (504) 822-8519

  • Louisiana Fair Housing Action Center, Inc.

    1340 Poydras St, New Orleans · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    (504) 596-2100

All counseling agencies in Louisiana

Help in Spanish near Chalmette

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 Chalmette

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

All housing agencies in Louisiana Source: HUD

Cities

Other cities in St. Bernard Parish

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

Everything about St. Bernard Parish Housing in Louisiana

Nearby cities

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

Neighboring counties

If St. Bernard 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 Chalmette.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Chalmette

Short answers with the numbers for Chalmette and all of St. Bernard 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 Chalmette?

The typical home value in Chalmette is $214,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Bernard Parish it is $202,500.

How much does it cost to rent in Chalmette?

Typical rent in Chalmette is $1,110 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Bernard Parish is $1,480.

What is the FHA loan limit in Chalmette?

Chalmette uses the FHA limit for all of St. Bernard 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 Chalmette?

The typical homeowner in Chalmette pays $1,014 a year, according to the U.S. Census Bureau. That is 0.47% of the home’s value; in St. Bernard Parish, the rate is 0.47%.

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

We found no HUD-approved counseling agencies with an office in St. Bernard 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).