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Cost of homeownership in Cameron Parish, Louisiana

Real dollar cost of ownership, rent-vs-buy analysis, and flood risk, backed by Census ACS, FEMA, and FHFA data. Population: 5,447.

Median home value
$177,600
Median property tax
$886
Monthly owner cost
$1,270
with mortgage
Affordability (cost % of income)
12.9%

Total annual ownership cost

Breakdown of what owning a typical home in Cameron Parish costs each year.

  • Property taxes$886
  • Insurance estimate$1,500
  • Utilities / energy$1,358
  • Maintenance (1% of value)$1,776
  • Total$5,520/yr · $460/mo

Insurance and energy figures typically vary by property. Adjust in the calculators for a personalized estimate.

Total
$5,520
/ year

Rent vs. buy in Cameron Parish

Pre-filled with local median home value, median gross rent (Census ACS / HUD FMR), and current FRED rate.

Flood risk

Historical signal from FEMA National Flood Insurance Program.

VERY-HIGH RISK
Total claims
330
Avg claim
$44,562
Active policies
186
Avg premium
$853
NFIP policy

Risk bucket is normalized as historical claims per 1,000 housing units, not raw count, so dense urban counties aren't penalized for size alone. Buckets: low (<1), moderate (1–10), high (10–50), very-high (50+). Cameron Parish: 152.35 per 1,000. Historical claims do not capture uninsured properties. For parcel-level flood-zone designations, use FEMA's Map Service Center.

Full flood-risk breakdown →

Home price trend in Louisiana

FHFA House Price Index, quarterly.

vs. Louisiana average
Home value above state average.
Property tax above state average.
Homeownership
89.5%

Share of units owner-occupied (Census ACS).

Median household income
$69,847

Census ACS 5-year estimate.

Housing cost burden in Cameron Parish

Share of households paying 30% or more of income on housing (HUD CHAS 2017-2021). HUD does not publish county-level CHAS rollups through the public API, so Louisiana state data is shown for local context alongside the US average.

Louisiana: 30%+ cost burdened
39.6%
1,165,860 households surveyed
Louisiana: severely burdened (50%+)
19.8%
Paying at least half of income on housing.
Owner vs renter burden
Owner 30%+: 28.5%
Renter 30%+: 30.7%
Renters typically carry a heavier cost burden than owners with a fixed-rate mortgage.

Affordability by income bracket

Monthly 30% housing budget at each income vs the median owner cost in Cameron Parish. Bars above the dashed line can absorb this county's typical ownership cost.

HUD area median income (4-person household) for Louisiana: $82,100. Income limits define 80% AMI at $65,700 and 50% AMI at $41,050.

Frequently asked questions

How much does it cost to own a home in Cameron Parish?

Based on Census ACS, typical total annual cost in Cameron Parish is around $5,520 ($460 per month), covering property tax, insurance estimate, utilities, and 1% maintenance. Your actual cost varies by home age, size, and location within the county.

What is the property tax in Cameron Parish?

Median annual property tax is $886 on the county's median home value of $177,600 (Census ACS).

Is it cheaper to rent or buy in Cameron Parish?

Census ACS rent or owner-cost data is pending for Cameron Parish.

What is the flood risk in Cameron Parish?

very-high historical flood-risk signal from FEMA NFIP: 330 claims (152.35 per 1,000 housing units), average claim $44,562. Bucket reflects claim density, not absolute claim count.

Data sources

Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.