Chesterfield, NY housing market
Home prices around Chesterfield have risen about 49% over the past 5 years. Builders were permitted 10 new homes in 2025.
Home values, sales, trends and how Chesterfield compares with the towns next door — updated as new data is published.
Home prices up 49% in 5 years
The federal house price index for the ZIP codes around Chesterfield rose 49% over the past 5 years, about the same as across New York. Last year prices fell 8.9%. Carrying the Census median home value forward with that index puts the typical Chesterfield home at roughly $175,000 today.
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| Year | Change that year | Since 2020 | New York since 2020 |
|---|---|---|---|
| 2025 | −8.9% | +49% | +52% |
| 2024 | +34% | +64% | +43% |
| 2023 | +0.7% | +22% | +34% |
| 2022 | +3.9% | +21% | +23% |
| 2021 | +17% | +17% | +9.4% |
| 2020 | — | — | — |
Federal Housing Finance Agency House Price Index (annual, developmental) for ZIP codes 12944, 12975, weighted by land area. It tracks repeat sales and appraisals of the same homes, so it shows how prices changed, not what homes cost. The estimated value scales the Census (ACS 2020-2024) median home value by that change.
10 new homes permitted in 2025
Builders were permitted 10 new homes in Chesterfield in 2025, all single-family houses, worth about $3.1 million to build. That's 4 per 1,000 residents, faster than across New York (1.8). Over the past 10 years, Chesterfield has permitted 103 homes in all.
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Chesterfield gained 31 residents while 76 new homes were permitted: about 0.4 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year. 18% of Chesterfield's homes are seasonal or vacation homes, which adds housing without adding residents. Across New York: 2.2 new residents per new home.
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
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| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 6 | 6 | 0 | $1.7 million |
| 2025 | 10 | 10 | 0 | $3.1 million |
| 2024 | 6 | 6 | 0 | $1 million |
| 2023 | 12 | 10 | 2 | $1.5 million |
| 2022 | 12 | 12 | 0 | $3.1 million |
| 2021 | 11 | 11 | 0 | $2 million |
| 2020 | 7 | 7 | 0 | $1.3 million |
| 2019 | 10 | 10 | 0 | $1.5 million |
| 2018 | 5 | 5 | 0 | $865,000 |
| 2017 | 11 | 11 | 0 | $994,000 |
| 2016 | 19 | 19 | 0 | $2.7 million |
| 2015 | 9 | 9 | 0 | $1.1 million |
| 2014 | 3 | 3 | 0 | $260,000 |
| 2013 | 8 | 8 | 0 | $1.8 million |
| 2012 | 4 | 4 | 0 | $710,000 |
| 2011 | 5 | 5 | 0 | $872,000 |
| 2010 | 2 | 2 | 0 | $362,000 |
| 2009 | 9 | 9 | 0 | $991,000 |
| 2008 | 6 | 6 | 0 | $1.1 million |
| 2007 | 11 | 11 | 0 | $1 million |
| 2006 | 10 | 10 | 0 | $1.4 million |
| 2005 | 8 | 8 | 0 | $940,000 |
| 2004 | 10 | 10 | 0 | $1.2 million |
| 2003 | 17 | 17 | 0 | $1.8 million |
| 2002 | 3 | 3 | 0 | $373,000 |
| 2001 | 10 | 10 | 0 | $500,000 |
| 2000 | 7 | 7 | 0 | $397,000 |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
Chesterfield and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | New homes 2025 | Median income |
|---|---|---|---|---|---|
| Chesterfield | — | −8.9%† | $1,380 | 10 | $65,278 |
| Au Sable | — | +1%† | $1,360 | 3 | $95,069 |
| Colchester | $486K | +0.7% | $1,930 | 81 | $97,891 |
| South Burlington | $483K | −0.8% | $2,410 | 87 | $106,667 |
| Willsboro | — | — | $1,070 | 18 | $69,766 |
| Lewis | — | — | $1,310 | 0 | $82,083 |
| Jay | — | — | $1,400 | 18 | $72,380 |
† FHFA price index change, where Zillow has no home value for the town.
2.2 years of income
The typical Chesterfield home costs about 2.2 years of the town's median household income, less than across New York (6.1 years).
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,380
HUD's Fair Market Rent for a two-bedroom in Chesterfield is $1,380 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Chesterfield pay a median of $1,114, so moving in tends to cost more than staying put. A two-bedroom takes about 25% of the town's median household income.
Studio $1,050 · 4 bedrooms $1,880
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (12944, 12975; Clinton County, NY), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.