Español

Este sitio también está en español. Leer en español

City · 5,910 residents · Chesterfield County, Virginia

Ettrick , Virginia

In Ettrick, a typical home is worth $211,200 and typical rent is $1,191 a month. Compared with all of Chesterfield County, typical household income is 43% lower and the typical home value is 42% lower.

WhatsApp

  • Typical home value

    $211,200

    42% below the county

    45% below Virginia

    • Ettrick
    • Chesterfield
    • Virginia

  • Typical rent

    $1,191a month

    27% below the county

    25% below Virginia

    • Ettrick
    • Chesterfield
    • Virginia

  • Typical household income

    $58,137a year

    43% below the county

    38% below Virginia

    • Ettrick
    • Chesterfield
    • Virginia

  • Households that own their home

    72%

    5 points below the county

    5 points above Virginia

    • Ettrick
    • Chesterfield
    • Virginia

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

Ettrick is in Chesterfield County. The FHA loan limit ($707,250 for a one-unit home), the fair market rents and the help on this page are those of all of Chesterfield County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ettrick apart

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

  1. Ettrick has the 2nd largest share of rent-burdened renters of the 133 cities in Virginia with more than 5,000 people (72%).

  2. The typical household income in Ettrick is $58,137, 43% less than in Chesterfield County as a whole ($101,931).

  3. The typical home in Ettrick is worth $211,200, 42% less than in Chesterfield County as a whole ($366,000).

  4. The typical rent in Ettrick is $1,191 a month, 27% less than in Chesterfield County as a whole ($1,629).

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

The homes here

Housing in Ettrick

What homes there are in Ettrick, 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

In Ettrick, 9 in 10 homes are single-family detached houses; in Chesterfield County, 8.

Year built

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

$1,406 a month

Chesterfield County: $1,933 a month

Without a mortgage

$630 a month

Chesterfield County: $612 a month

Owners with a mortgage

79%

Chesterfield County: 73%

In Ettrick, 79% of owners have a mortgage, and their typical cost is $1,406 a month, against $1,933 in Chesterfield County. Without one it drops to $630.

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

From 2015–2019 to 2020–2024, the typical home value in Ettrick rose 55%; in Chesterfield County, it rose 52%.

Since 2015–2019, the typical rent in Ettrick did not change clearly, according to the Census.

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

MeasureEttrickChesterfield CountyVirginiaUnited States
Rental vacancy Unreliable estimate5.3%4.8%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.6%2.1%3.4%
People per household 2.272.662.522.53
Drive alone 70%71%68%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate0%2%3%
Walk or bike 12%1%2%3%
Work from home 12%20%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Ettrick has 2.27 people, fewer than in Chesterfield County (2.66).

In Ettrick, 12% of workers walk or bike to work; in Chesterfield County, 1%.

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 Ettrick?

A typical home is tight for the typical income

We start with a typical home in Ettrick, worth $211,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Ettrick, which is $58,137 a year. For that payment to be 28% of income, a household would need to earn about $72,885 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ettrick. 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 $7,392 (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

$1,701

at 7.18% · 30 years

Loan amount
$207,375
Total interest
$298,363
Paid off in
November 2056

Includes $3,567 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,357 a month

  • Tight

    $1,357 to $1,744 a month

    Your payment · 35%

  • Hard

    more than $1,744 a month

Compared with the typical household income in Ettrick ($58,137 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,701
Principal & interest$1,405
Property tax$114
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,392 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

Ettrick and Chesterfield County

Ettrick is in Chesterfield County, Virginia. 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).

Ettrick's own numbers

Typical home value
$211,200
Typical monthly rent
$1,191
Typical yearly household income
$58,137
Households that own their home
72%
Effective property tax rate
0.65%

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

Numbers for all of Chesterfield County

FHA limit, one-unit home
$707,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,651
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.7%

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 Chesterfield County.

Everything about Chesterfield County

Buying

Buying a home in Ettrick

A typical home in Ettrick is worth $211,200: 42% below the county and 45% below Virginia. With the typical household income in Ettrick ($58,137 a year), a typical home costs 3.6 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.

  • Ettrick 3.6 years
  • Chesterfield 3.6 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chesterfield County

According to FHFA’s house price index, home prices in Chesterfield County rose 96% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Chesterfield County.

Period County Virginia U.S.
Last year (2025) +2.8% +3.7% +2.9%
5 years (2020–2025) +57% +49% +47%
10 years (2015–2025) +96% +75% +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

Ettrick next to Chesterfield County, Virginia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ettrick $211,200
  • Chesterfield $366,000
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Ettrick $1,191
  • Chesterfield $1,629
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Ettrick $58,137
  • Chesterfield $101,931
  • Virginia $93,170
  • United States $80,734
See the full table
Ettrick next to Chesterfield County and Virginia
Measure Ettrick Chesterfield County Virginia U.S.
Typical home value $211,200 $366,000 $383,700 $332,700
Typical monthly rent $1,191 $1,629 $1,579 $1,413
Typical yearly household income $58,137 $101,931 $93,170 $80,734
Households that own their home 72% 77% 67% 65%
Typical yearly property tax $1,365 $2,773 $2,790 $3,119
Effective property tax rate 0.65% 0.76% 0.73% 0.94%
Renters with high rent for their income 72% 52% 49% 51%

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

For a typical $211,200 home in Ettrick, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ettrick's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,701a month

    Least cash to close
    Down payment
    $7,392
    Cash to close
    $13,728
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,662a month

    Down payment
    $10,560
    Cash to close
    $16,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,347a month

    Down payment
    $42,240
    Cash to close
    $48,576
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,542a month

    Down payment
    $31,680
    Cash to close
    $38,016
    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 Ettrick and for Chesterfield County.

Property tax

Effective rate in Ettrick

0.65%of the home’s value each year

$1,365 a year for the typical owner in Ettrick.

  • Ettrick 0.65%
  • Chesterfield 0.76%
  • Virginia 0.73%

What Virginia publishes Local exemption or deferral for people 65 and older or with disabilities (Virginia General Assembly (Code of Virginia))

Exemptions and deadlines in Virginia

Flood risk in Chesterfield County

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

Homes in the high-risk zone
0.7%
922
Of those, with NFIP insurance
26%
County Virginia U.S.
Homes in the high-risk zone 0.7% 1.5% 3.5%
Of those, with NFIP insurance 26% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ettrick

Typical rent in Ettrick is $1,191 a month: 27% below the county. In Ettrick, 72% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chesterfield County, by unit size. To pay the 2-bedroom one ($1,651 a month) without spending more than 30% of your income, you would need to earn $31.75 an hour working full time.

HUD fair market rent for all of Chesterfield 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 $1,456 $28.00 $58,240
1 bedroom $1,517 $29.17 $60,680
2 bedrooms $1,651 $31.75 $66,040
3 bedrooms $2,039 $39.21 $81,560
4 bedrooms $2,499 $48.06 $99,960

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 Ettrick

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ettrick has 2 ZIP codes with their own.

For 2 bedrooms it is $1,490 in all of them.

None is above the fair market rent for Chesterfield County ($1,651).

  • 23803 $1,490$1,870
  • 23834 $1,490$1,870

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ettrick 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 Ettrick

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.

There is 1 HUD-approved agency with an office in Chesterfield County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Ettrick

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

Which programs do I qualify for? All programs in Virginia

  • Down Payment Assistance Grant

    Statewide in Virginia

    Virginia state agency down payment grant that you do not repay; for first-time buyers, or any buyer in economic opportunity zones, with a Virginia Housing mortgage. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

  • Virginia Housing Plus Second Mortgage

    Statewide in Virginia

    Virginia Housing 30-year fixed-rate second mortgage of up to 5% of the price for the down payment (and part of the closing costs with a credit score of 680 or higher); for first-time buyers and for people who have owned a home before. Offered by Virginia Housing (Virginia Housing Development Authority).

    Type not stated

    See the program Official page

  • Closing Cost Assistance Grant

    Statewide in Virginia

    Virginia Housing grant that you do not repay, of up to 2% of the price, for the closing costs of buyers with a Virginia Housing RD (Rural Development) or VA loan. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

Housing counselors near Ettrick

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

  • Commonwealth Catholic Charities

    510 W Poythress St, Hopewell · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (804) 285-5986

  • Credit Restoration Institute

    31 N Providence Rd, North Chesterfield · 18 miles away

    • Budget and credit workshops
    • Workshops for new owners
    • and 4 more
    (804) 823-9601

  • QUIN RIVERS, INC DBA Thrive Virginia

    211 Rocketts Way, Henrico · 19 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 3 more
    (804) 362-6835

Every agency in Chesterfield County All counseling agencies in Virginia

Help in Spanish near Ettrick

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 Ettrick

HUD lists no housing authority with an office in Chesterfield County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Virginia Source: HUD

Cities

Other cities in Chesterfield County

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

Everything about Chesterfield County Housing in Virginia

Nearby cities

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

Neighboring counties

If Chesterfield 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 Ettrick.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Ettrick

Short answers with the numbers for Ettrick and all of Chesterfield 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 Ettrick?

The typical home value in Ettrick is $211,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chesterfield County it is $366,000.

How much does it cost to rent in Ettrick?

Typical rent in Ettrick is $1,191 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chesterfield County is $1,651.

What is the FHA loan limit in Ettrick?

Ettrick uses the FHA limit for all of Chesterfield County (2026): $707,250 for a one-unit home and $1,360,100 for a four-unit home.

How much property tax do owners pay in Ettrick?

The typical homeowner in Ettrick pays $1,365 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Chesterfield County, the rate is 0.76%.

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

There is 1 HUD-approved counseling agency with an office in Chesterfield County. 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).