In Geneva, a typical home is worth $148,300 and typical rent is $808 a month. Compared with all of Ashtabula County, typical household income is 7% lower, the typical home value is 7% lower, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $156,838 to $211,498.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Geneva is in Ashtabula 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 Ashtabula County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Ashtabula, the typical home value is $105,900: 29% less than in Geneva ($148,300).
2
70% of households in Geneva own their home, against 76% in Ashtabula County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Geneva
What homes there are in Geneva, 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
Geneva
Ashtabula County
Ohio
United States
Kind of home: Geneva and its comparisons
Measure
Geneva
Ashtabula County
Ohio
United States
Detached house
62%
78%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
13%
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
7%
15%
19%
Mobile home
Unreliable estimate
8%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Geneva (62%), but less so than in Ashtabula County (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Geneva
Ashtabula County
Ohio
United States
Year built: Geneva and its comparisons
Measure
Geneva
Ashtabula County
Ohio
United States
Before 1960
54%
48%
38%
26%
1960–1979
23%
24%
26%
24%
1980–1999
Unreliable estimate
17%
20%
25%
2000–2009
9%
8%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
The typical home in Geneva was built in 1958, 4 years before the typical one in Ashtabula County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K18%
$100K–$200K57%
$200K–$300K19%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Geneva and its comparisons
Measure
Geneva
Under $100K
18%
$100K–$200K
57%
$200K–$300K
19%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99983%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Geneva and its comparisons
Measure
Geneva
Under $500
Unreliable estimate
$500–$999
83%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,145 a month
Ashtabula County: $1,229 a month
Without a mortgage
$537 a month
Ashtabula County: $493 a month
Owners with a mortgage
61%
Ashtabula County: 52%
In Geneva, 61% of owners have a mortgage, and their typical cost is $1,145 a month, against $1,229 in Ashtabula County. Without one it drops to $537.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Geneva+47%
Ashtabula County+42%
Ohio+47%
United States+53%
Typical rent
Geneva+21%
Ashtabula County+19%
Ohio+28%
United States+33%
Typical household income
Geneva+49%
Ashtabula County+24%
Ohio+26%
United States+29%
Change since 2015–2019: Geneva and its comparisons
Measure
Geneva
Ashtabula County
Ohio
United States
Typical home value
+47%
+42%
+47%
+53%
Typical rent
+21%
+19%
+28%
+33%
Typical household income
+49%
+24%
+26%
+29%
The typical home value in Geneva rose 47% since 2015–2019, more than in Ashtabula County (42%).
The typical rent in Geneva rose 21% since 2015–2019, about the same as in Ashtabula County (19%).
While home values in Geneva changed +47% and rent +21%, the typical household income rose 49%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Geneva and its comparisons
Measure
Geneva
Ashtabula County
Ohio
United States
Rental vacancy
Unreliable estimate
5.0%
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
2.08
2.39
2.37
2.53
Drive alone
91%
78%
75%
69%
Carpool
Unreliable estimate
11%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
3%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Geneva has 2.08 people, fewer than in Ashtabula County (2.39).
To get to work, 91% of workers in Geneva drive alone; in Ashtabula County, 78%.
Do the math
What would you pay each month for a home in Geneva?
A typical home is tight for the typical income
We start with a typical home in Geneva, worth $148,300, 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 Geneva, which is $53,557 a year. For that payment to be 28% of income, a household would need to earn about $54,727 a year.
The calculator's FHA and conventional loan limits are those of all of Ashtabula 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 Geneva. 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 $5,191 (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
$1,277
at 7.18% · 30 years
Loan amount
$145,613
Total interest
$209,504
Paid off in
November 2056
Includes $2,504 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,250 a month
Tight
$1,250 to $1,607 a month
Your payment · 29%
Hard
more than $1,607 a month
Compared with the typical household income in Geneva ($53,557 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$986
Property tax
$163
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,191 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 $1,277; principal and interest $986.
The city and its county
Geneva and Ashtabula County
Geneva is in Ashtabula 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).
Geneva
Map of Ashtabula County, Ohio, with Geneva marked. Around it, the neighboring counties.
Geneva
Ashtabula County
Other cities with a page
Geneva's own numbers
Typical home value
$148,300
Typical monthly rent
$808
Typical yearly household income
$53,557
Households that own their home
70%
Effective property tax rate
1.32%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ashtabula County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,003
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
0.6%
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 Ashtabula County.
A typical home in Geneva is worth $148,300: 7% below the county and 31% below Ohio. With the typical household income in Geneva ($53,557 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.
Geneva2.8 years
Ashtabula2.8 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ashtabula County
According to FHFA’s house price index, home prices in Ashtabula County rose 83% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ashtabula County.
Yearly change in FHFA’s price index in Ashtabula County, 2016 to 2025
2016: −1.3% −1.3% 2016
2017: +3.6% +3.6% 2017
2018: +6.9% +6.9% 2018
2019: +6.1% +6.1% 2019
2020: +2.1% +2.1% 2020
2021: +9.9% +9.9% 2021
2022: +13.6% +13.6% 2022
2023: +3.9% +3.9% 2023
2024: +13.1% +13.1% 2024
2025: +5.5% +5.5% 2025
Change in FHFA’s price index in Ashtabula County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.5%
+4.8%
+2.9%
5 years (2020–2025)
+55%
+53%
+47%
10 years (2015–2025)
+83%
+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
Geneva next to Ashtabula 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
Geneva$148,300
Ashtabula$159,500
Ohio$214,800
United States$332,700
Typical monthly rent
Geneva$808
Ashtabula$828
Ohio$1,034
United States$1,413
Typical yearly household income
Geneva$53,557
Ashtabula$57,728
Ohio$71,389
United States$80,734
See the full table
Geneva next to Ashtabula County and Ohio
Measure
Geneva
Ashtabula County
Ohio
U.S.
Typical home value
$148,300 ▼7% below the county
$159,500
$214,800
$332,700
Typical monthly rent
$808 ▼2% below the county
$828
$1,034
$1,413
Typical yearly household income
$53,557 ▼7% below the county
$57,728
$71,389
$80,734
Households that own their home
70% ▼6 points below the county
76%
67%
65%
Typical yearly property tax
$1,959
$1,928
$2,822
$3,119
Effective property tax rate
1.32% ▲0.11 points above the county
1.21%
1.31%
0.94%
Renters with high rent for their income
44% ▼4 points below the county
48%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ashtabula 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 Geneva
For a typical $148,300 home in Geneva, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Geneva's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,277a month
Least cash to close
Down payment
$5,191
Cash to close
$9,640
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,250a month
Down payment
$7,415
Cash to close
$11,864
Rate
7.18%
Mortgage insurance
PMI · $70
Conventional, 20% down, no PMI$1,029a month
Down payment
$29,660
Cash to close
$34,109
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,166a month
Down payment
$22,245
Cash to close
$26,694
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Geneva
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,277
$5,191
$145,614
7.18%
FHA MIP · $66
$9,640
580
Conventional, 5% down
$1,250
$7,415
$140,885
7.18%
PMI · $70
$11,864
620*
Conventional, 20% down, no PMI
$1,029
$29,660
$118,640
7.18%
None
$34,109
620*
ITIN, 15% down (example)
$1,166
$22,245
$126,055
8.18%
None
$26,694
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 Geneva is $808 a month: 2% below the county. In Geneva, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ashtabula County, by unit size. To pay the 2-bedroom one ($1,003 a month) without spending more than 30% of your income, you would need to earn $19.29 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 Ashtabula County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$698
$13.42
$27,920
1 bedroom
$810
$15.58
$32,400
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,225
$23.56
$49,000
4 bedrooms
$1,402
$26.96
$56,080
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 Geneva
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Geneva is in ZIP code 44041.
For 2 bedrooms it is $1,000: $3 less than the fair market rent for Ashtabula County ($1,003).
Fair market rent by ZIP code and size in Geneva, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44041
$700
$810
$1,000
$1,230
$1,400
ZIP code2 bd3 bd
44041 $1,000$1,230
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Geneva 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)
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 Ashtabula 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 Geneva or Ashtabula County. The ones below are statewide in Ohio: they work in Geneva 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 Geneva or Ashtabula 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 Geneva and all of Ashtabula 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 Geneva?
The typical home value in Geneva is $148,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ashtabula County it is $159,500.
How much does it cost to rent in Geneva?
Typical rent in Geneva is $808 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ashtabula County is $1,003.
What is the FHA loan limit in Geneva?
Geneva uses the FHA limit for all of Ashtabula 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 Geneva?
The typical homeowner in Geneva pays $1,959 a year, according to the U.S. Census Bureau. That is 1.32% of the home’s value; in Ashtabula County, the rate is 1.21%.
Where can I find free help to buy or rent in Geneva?
We found no HUD-approved counseling agencies with an office in Ashtabula County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
