In Chardon, a typical home is worth $303,000 and typical rent is $1,163 a month. Compared with all of Geauga County, typical household income is 20% lower, the typical home value is 8% lower, and the share of households that own their home is 21 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $296,250 to $391,564.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Chardon is in Geauga County. 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 Geauga County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Painesville, the typical home value is $158,800: 48% less than in Chardon ($303,000).
2
67% of households in Chardon own their home, against 87% in Geauga County.
3
Nearby, in Chesterland, the typical rent is $839: 28% less than in Chardon ($1,163).
4
The typical household income in Chardon is $86,613,20% less than in Geauga County as a whole ($107,860).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Chardon
What homes there are in Chardon, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Chardon
Geauga County
Ohio
United States
Kind of home: Chardon and its comparisons
Measure
Chardon
Geauga County
Ohio
United States
Detached house
69%
88%
69%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
Unreliable estimate
2%
8%
8%
Apartments (5 or more)
Unreliable estimate
3%
15%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Chardon, but it weighs less than in Geauga County: 69% against 88%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Chardon
Geauga County
Ohio
United States
Year built: Chardon and its comparisons
Measure
Chardon
Geauga County
Ohio
United States
Before 1960
36%
29%
38%
26%
1960–1979
24%
26%
26%
24%
1980–1999
24%
28%
20%
25%
2000–2009
12%
11%
10%
14%
2010 or later
Unreliable estimate
6%
7%
11%
By age, homes in Chardon look like those in Geauga County: the typical year built is 1975.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K21%
$200K–$300K23%
$300K–$500K49%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Chardon and its comparisons
Measure
Chardon
Under $100K
Unreliable estimate
$100K–$200K
21%
$200K–$300K
23%
$300K–$500K
49%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49949%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Chardon and its comparisons
Measure
Chardon
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
49%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$2,008 a month
Geauga County: $1,967 a month
Without a mortgage
$722 a month
Geauga County: $746 a month
Owners with a mortgage
72%
Geauga County: 62%
In Chardon, 72% of owners have a mortgage; their typical cost is $2,008 a month, about the same as in Geauga County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Chardon+59%
Geauga County+37%
Ohio+47%
United States+53%
Typical rent
Chardon+57%
Geauga County+32%
Ohio+28%
United States+33%
Typical household income
ChardonNo clear change
Geauga County+31%
Ohio+26%
United States+29%
Change since 2015–2019: Chardon and its comparisons
Measure
Chardon
Geauga County
Ohio
United States
Typical home value
+59%
+37%
+47%
+53%
Typical rent
+57%
+32%
+28%
+33%
Typical household income
No clear change
+31%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Chardon rose 59%; in Geauga County, it rose 37%.
Rents in Chardon rose faster than in Geauga County: 57% since 2015–2019, against 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Chardon and its comparisons
Measure
Chardon
Geauga County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.5%
3.4%
People per household
2.35
2.64
2.37
2.53
Drive alone
73%
70%
75%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
18%
17%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Chardon are smaller: 2.35 people on average; in Geauga County, 2.64.
To get to work, 73% of workers in Chardon drive alone; in Geauga County, 70%.
Do the math
What would you pay each month for a home in Chardon?
A typical home costs more than the typical income allows
We start with a typical home in Chardon, worth $303,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Chardon, which is $86,613 a year. For that payment to be 28% of income, a household would need to earn about $111,815 a year.
The calculator's FHA and conventional loan limits are those of all of Geauga County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Chardon. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,605 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,609
at 7.18% · 30 years
Loan amount
$297,512
Total interest
$428,050
Paid off in
November 2056
Includes $5,117 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,021 a month
Tight
$2,021 to $2,598 a month
Hard
more than $2,598 a month
Your payment · 36%
Compared with the typical household income in Chardon ($86,613 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,015
Property tax
$333
Home insurance
$126
FHA mortgage insurance (MIP)
$134
You need at least $10,605 for the down payment, plus closing costs.
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.
Total monthly payment $2,609; principal and interest $2,015.
The city and its county
Chardon and Geauga County
Chardon is in Geauga County, Ohio. 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).
Chardon
Map of Geauga County, Ohio, with Chardon marked. Around it, the neighboring counties.
Chardon
Geauga County
Other cities with a page
Chardon's own numbers
Typical home value
$303,000
Typical monthly rent
$1,163
Typical yearly household income
$86,613
Households that own their home
67%
Effective property tax rate
1.32%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Geauga County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,274
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
0.2%
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 Geauga County.
A typical home in Chardon is worth $303,000: 8% below the county and 41% above Ohio. With the typical household income in Chardon ($86,613 a year), a typical home costs 3.5 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.
Chardon3.5 years
Geauga3.1 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Geauga County
According to FHFA’s house price index, home prices in Geauga County rose 73% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Geauga County.
Yearly change in FHFA’s price index in Geauga County, 2016 to 2025
2016: +2.3% +2.3% 2016
2017: +3.8% +3.8% 2017
2018: +3.2% +3.2% 2018
2019: +3.1% +3.1% 2019
2020: +3.4% +3.4% 2020
2021: +9.1% +9.1% 2021
2022: +12.6% +12.6% 2022
2023: +6.1% +6.1% 2023
2024: +8.8% +8.8% 2024
2025: +4.4% +4.4% 2025
Change in FHFA’s price index in Geauga County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.4%
+4.8%
+2.9%
5 years (2020–2025)
+48%
+53%
+47%
10 years (2015–2025)
+73%
+93%
+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
Chardon next to Geauga County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Chardon$303,000
Geauga$331,100
Ohio$214,800
United States$332,700
Typical monthly rent
Chardon$1,163
Geauga$1,083
Ohio$1,034
United States$1,413
Typical yearly household income
Chardon$86,613
Geauga$107,860
Ohio$71,389
United States$80,734
See the full table
Chardon next to Geauga County and Ohio
Measure
Chardon
Geauga County
Ohio
U.S.
Typical home value
$303,000 ▼8% below the county
$331,100
$214,800
$332,700
Typical monthly rent
$1,163 ▲7% above the county
$1,083
$1,034
$1,413
Typical yearly household income
$86,613 ▼20% below the county
$107,860
$71,389
$80,734
Households that own their home
67% ▼21 points below the county
87%
67%
65%
Typical yearly property tax
$4,004 ▼12% below the county
$4,564
$2,822
$3,119
Effective property tax rate
1.32% ▼0.06 points below the county
1.38%
1.31%
0.94%
Renters with high rent for their income
36% ▼6 points below the county
43%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Geauga County. “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 Chardon
For a typical $303,000 home in Chardon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chardon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,609a month
Least cash to close
Down payment
$10,605
Cash to close
$19,695
Rate
7.18%
Mortgage insurance
FHA MIP · $134
Conventional, 5% down$2,553a month
Down payment
$15,150
Cash to close
$24,240
Rate
7.18%
Mortgage insurance
PMI · $144
Conventional, 20% down, no PMI$2,102a month
Down payment
$60,600
Cash to close
$69,690
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,382a month
Down payment
$45,450
Cash to close
$54,540
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Chardon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,609
$10,605
$297,512
7.18%
FHA MIP · $134
$19,695
580
Conventional, 5% down
$2,553
$15,150
$287,850
7.18%
PMI · $144
$24,240
620*
Conventional, 20% down, no PMI
$2,102
$60,600
$242,400
7.18%
None
$69,690
620*
ITIN, 15% down (example)
$2,382
$45,450
$257,550
8.18%
None
$54,540
Set by the lender
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.
Typical rent in Chardon is $1,163 a month: 7% above the county. In Chardon, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Geauga County, by unit size. To pay the 2-bedroom one ($1,274 a month) without spending more than 30% of your income, you would need to earn $24.50 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Geauga County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$924
$17.77
$36,960
1 bedroom
$1,050
$20.19
$42,000
2 bedrooms
$1,274
$24.50
$50,960
3 bedrooms
$1,628
$31.31
$65,120
4 bedrooms
$1,756
$33.77
$70,240
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 Chardon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chardon is in ZIP code 44024.
For 2 bedrooms it is $1,340: $66 more than the fair market rent for Geauga County ($1,274).
Fair market rent by ZIP code and size in Chardon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44024
$970
$1,100
$1,340
$1,710
$1,850
ZIP code2 bd3 bd
44024 $1,340$1,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chardon 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists one building with rents for lower incomes in Chardon.
Scranton Woods/Cloverdale385 Center St, Chardon 44024243 homes, 242 low-income · Run by Geauga Metropolitian Housing Authority · Average payment: $517 a month · Average wait: 19 months · Homes at several sites(440) 286-7413
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 Geauga County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Chardon or Geauga County. The ones below are statewide in Ohio: they work in Chardon the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for Chardon or Geauga County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Chardon and all of Geauga County. 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 Chardon?
The typical home value in Chardon is $303,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Geauga County it is $331,100.
How much does it cost to rent in Chardon?
Typical rent in Chardon is $1,163 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Geauga County is $1,274.
What is the FHA loan limit in Chardon?
Chardon uses the FHA limit for all of Geauga County (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 Chardon?
The typical homeowner in Chardon pays $4,004 a year, according to the U.S. Census Bureau. That is 1.32% of the home’s value; in Geauga County, the rate is 1.38%.
Where can I find free help to buy or rent in Chardon?
We found no HUD-approved counseling agencies with an office in Geauga County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
