Chesterfield County, VA Average Home Price (2026)
The average home price in Chesterfield County, Virginia is about $415,000 (the 2026 median across 13 ZIP codes, at ~$214/sq ft) — 23% more expensive than the Virginia median and 44% more expensive than the typical U.S. home.
How Chesterfield County compares
Chesterfield County is relatively expensive for housing nationally: its typical home costs $415,000 against $336,500 for Virginia and $289,000 for the U.S. Within the county, ZIP-level values run from about $295,000 to $720,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Chesterfield County | $415,000 | $214 |
| Virginia | $336,500 | $221 |
| United States | $289,000 | $193 |
Cities in Chesterfield County
Cities with their own home-value page, largest first:
Chesterfield County home prices by ZIP code
The 13 most valuable ZIP codes in Chesterfield County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 23113 Midlothian | $720,000 | $225 | +73% |
| 23120 Moseley | $610,000 | $236 | +47% |
| 23838 Chesterfield | $569,000 | $212 | +37% |
| 23114 Midlothian | $468,000 | $219 | +13% |
| 23836 Chester | $440,000 | $199 | +6% |
| 23112 Midlothian | $434,000 | $217 | +5% |
| 23235 Richmond | $415,000 | $221 | +0% |
| 23832 Chesterfield | $410,000 | $214 | -1% |
| 23236 Richmond | $391,000 | $220 | -6% |
| 23831 Chester | $381,000 | $189 | -8% |
| 23237 Bellwood | $326,000 | $206 | -21% |
| 23234 Richmond | $309,000 | $213 | -26% |
| 23834 Colonial Heights | $295,000 | $191 | -29% |
Home value appreciation in Chesterfield County
Home prices in Chesterfield County have risen about 96% over the last 10 years (≈7.0% a year) and +97.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.8% — still rising. A home worth $415,000 today was worth roughly $211,843 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Virginia is +74.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Chesterfield County
Run the numbers for Chesterfield County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Chesterfield County
To buy the typical $415,000 home in Chesterfield County with 20% down, you need a household income of roughly $113,000 a year (about $2,630 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $134,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $20,800 | $3,270/mo | $140,000/yr |
| 10% (+PMI) | $41,500 | $3,130/mo | $134,000/yr |
| 20% | $83,000 | $2,630/mo | $113,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Chesterfield County
At about $214 per square foot, here is roughly how much home different budgets get you in Chesterfield County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 930 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1400 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1870 sq ft | around the typical home here |
| $500k | 2340 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Virginia.
Estimate a specific home in Chesterfield County
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Chesterfield County home prices: frequently asked
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Browse all Virginia cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.