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City · 7,086 residents · Geauga County, Ohio

Chesterland , Ohio

In Chesterland, a typical home is worth $297,800 and typical rent is $839 a month. Compared with all of Geauga County, typical rent is 23% lower and the typical home value is 10% lower.

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  • Typical home value

    $297,800

    10% below the county

    39% above Ohio

    • Chesterland
    • Geauga
    • Ohio

  • Typical rent

    $839a month

    23% below the county

    19% below Ohio

    • Chesterland
    • Geauga
    • Ohio

  • Typical household income

    $107,898a year

    About the same as the county

    51% above Ohio

    • Chesterland
    • Geauga
    • Ohio

  • Households that own their home

    87%

    About the same as the county

    20 points above Ohio

    • Chesterland
    • Geauga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$394,484
4.8% more than 12 months ago

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

Chesterland 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Chesterland apart

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

  1. Nearby, in Mayfield Heights, the typical home value is $205,200: 31% less than in Chesterland ($297,800).

  2. The typical rent in Chesterland is $839 a month, 23% less than in Geauga County as a whole ($1,083).

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

The homes here

Housing in Chesterland

What homes there are in Chesterland, 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 the most common home in Chesterland: 90% of homes, near the figure in Geauga County (88%).

Year built

Homes in Chesterland are older: the typical year built is 1967; in Geauga County, 1977.

By size, homes in Chesterland look like those in Geauga County: 82% have 3 bedrooms or more.

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
Monthly rent with utilities

With a mortgage

$1,781 a month

Geauga County: $1,967 a month

Without a mortgage

$749 a month

Geauga County: $746 a month

Owners with a mortgage

54%

Geauga County: 62%

Owning costs less in Chesterland: with a mortgage, the typical cost is $1,781 a month; in Geauga County, $1,967. Without one, $749.

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 boundaries of Chesterland changed since 2015–2019, so the Census does not compare its figures from then and now. In Geauga County, the typical home value rose 37%.

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

MeasureChesterlandGeauga CountyOhioUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.0%1.5%3.4%
People per household 2.312.642.372.53
Drive alone 76%70%75%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 19%17%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.31 on average, against 2.64 in Geauga County.

In Chesterland, 76% of workers drive alone to work; in Geauga County, 70%.

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 Chesterland?

A typical home is tight for the typical income

We start with a typical home in Chesterland, worth $297,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Chesterland, which is $107,898 a year. For that payment to be 28% of income, a household would need to earn about $110,109 a year.

The calculator's FHA and conventional loan limits are those of all of Geauga County.

Your numbers

Local data
$

Starts at the typical home value in Chesterland. 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 $10,423 (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

$2,569

at 7.18% · 30 years

Loan amount
$292,406
Total interest
$420,704
Paid off in
November 2056

Includes $5,029 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,518 a month

  • Tight

    $2,518 to $3,237 a month

    Your payment · 29%

  • Hard

    more than $3,237 a month

Compared with the typical household income in Chesterland ($107,898 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,569
Principal & interest$1,981
Property tax$333
Home insurance$124
FHA mortgage insurance (MIP)$132

You need at least $10,423 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

Chesterland and Geauga County

Chesterland 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).

Chesterland's own numbers

Typical home value
$297,800
Typical monthly rent
$839
Typical yearly household income
$107,898
Households that own their home
87%
Effective property tax rate
1.34%

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.

Everything about Geauga County

Buying

Buying a home in Chesterland

A typical home in Chesterland is worth $297,800: 10% below the county and 39% above Ohio. With the typical household income in Chesterland ($107,898 a year), a typical home costs 2.8 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.

  • Chesterland 2.8 years
  • Geauga 3.1 years
  • Ohio 3.0 years
  • United States 4.1 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.

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

Chesterland 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
  • Chesterland $297,800
  • Geauga $331,100
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Chesterland $839
  • Geauga $1,083
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Chesterland $107,898
  • Geauga $107,860
  • Ohio $71,389
  • United States $80,734
See the full table
Chesterland next to Geauga County and Ohio
Measure Chesterland Geauga County Ohio U.S.
Typical home value $297,800 $331,100 $214,800 $332,700
Typical monthly rent $839 $1,083 $1,034 $1,413
Typical yearly household income $107,898 $107,860 $71,389 $80,734
Households that own their home 87% 87% 67% 65%
Typical yearly property tax $3,994 $4,564 $2,822 $3,119
Effective property tax rate 1.34% 1.38% 1.31% 0.94%

“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 Chesterland

For a typical $297,800 home in Chesterland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chesterland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,569a month

    Least cash to close
    Down payment
    $10,423
    Cash to close
    $19,357
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,515a month

    Down payment
    $14,890
    Cash to close
    $23,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $2,071a month

    Down payment
    $59,560
    Cash to close
    $68,494
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,346a month

    Down payment
    $44,670
    Cash to close
    $53,604
    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 Chesterland and for Geauga County.

Property tax

Effective rate in Chesterland

1.34%of the home’s value each year

$3,994 a year for the typical owner in Chesterland.

  • Chesterland 1.34%
  • Geauga 1.38%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Geauga County

FEMA does not publish these numbers by city: they are for all of Geauga County.

Homes in the high-risk zone
0.2%
72
Of those, with NFIP insurance
31%
County Ohio U.S.
Homes in the high-risk zone 0.2% 1.7% 3.5%
Of those, with NFIP insurance 31% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chesterland

Typical rent in Chesterland is $839 a month: 23% below the county.

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.

HUD fair market rent for all of Geauga County

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 $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 Chesterland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chesterland is in ZIP code 44026.

For 2 bedrooms it is $1,530: $256 more than the fair market rent for Geauga County ($1,274).

  • 44026 $1,530$1,960

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

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.

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 Chesterland

No down payment, repair or rent-help program on our list is for Chesterland or Geauga County. The ones below are statewide in Ohio: they work in Chesterland the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    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).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    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).

    Tax credit

    See the program Official page

Housing counselors near Chesterland

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

  • Breaking Chains Inc

    23300 Chagrin Blvd Ste 201, Beachwood · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (216) 464-0699

  • Home Repair Resource Center

    2520 Noble Rd, Cleveland Heights · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (216) 381-6100

  • Nid-Hca Valentine

    2490 Lee Boulevard, Suite 306, Cleveland Heights · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (216) 932-6624

All counseling agencies in Ohio

Help in Spanish near Chesterland

None of the 3 agencies on this list say they serve 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 Chesterland

In HUD’s record, no housing authority with an office in Geauga County is named for Chesterland or Geauga County.

One other authority has an office in Geauga County: see the list Source: HUD

Cities

Other cities in Geauga County

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

Everything about Geauga County Housing in Ohio

Nearby cities

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

Neighboring counties

If Geauga County 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 Chesterland.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Chesterland

Short answers with the numbers for Chesterland 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 Chesterland?

The typical home value in Chesterland is $297,800, 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 Chesterland?

Typical rent in Chesterland is $839 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 Chesterland?

Chesterland 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 Chesterland?

The typical homeowner in Chesterland pays $3,994 a year, according to the U.S. Census Bureau. That is 1.34% of the home’s value; in Geauga County, the rate is 1.38%.

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

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.

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).