Median Income
$58,929
22% lower than US avg
Home Value
$198,000
30% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
11.7%
65% lower than US avg
Obesity Rate
34.9%
9% higher than US avg
Unemployment
9.5%
164% higher than US avg
Poverty Rate
8.1%
35% lower than US avg
How Chesterfield Compares to the U.S. Average (100% = U.S. avg)
People
Population650
Median Age44.1 yrs
Density85/mi²
Male / Female52% / 48%
Largest GroupWhite 100%
Veterans8.0%
Economy
C+
Median Income$58,929
Per Capita$21,498
Unemployment9.5%
Poverty8.1%
County GDP$1,064M
Commute29 min
Housing
A+
Home Value$198,000
Ownership70.3%
Zillow$225,986
Housing Units236
Rent Burden47.3%
Crime
C+
Violent0/100K
Property509/100K
Health
Obesity34.9%
Uninsured10.7%
Smoking18.4%
Depression31.9%
Heart Disease5.0%
Climate
Avg Temp59°F (15°C)
AQI40 (Good)
Rain54.8 in/yr
Sunny Days301/yr
Elevation422 ft (129 m)
Education
D
Bachelor's+11.7%
High School+90.1%
Graduate+4.8%
School Score5.86
Community
2024 VoteR 84% / D 16%
Commute29 min
Broadband81.7%
EV Stations2
Libraries1
Is Chesterfield a Good Place to Live?
Based on current data, Chesterfield receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment, below-average incomes. Chesterfield offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Chesterfield is $58,929, 22% below the national average of $75,149. At 9.5%, unemployment is notably high. 8.1% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 29 minutes.
Cost of Living & Housing
The median home value in Chesterfield is $198,000, 30% below the national median / offering relatively affordable homeownership. A price-to-income ratio of 3.4x indicates a reasonably affordable housing market.
Safety & Crime
Chesterfield is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 509 per 100,000, 74% below the national average.
Education
11.7% of residents hold a bachelor's degree, below the national average of 33.7%. 90.1% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Chesterfield enjoys a moderate climate with an average annual temperature of 59°F. Winters average 38°F in January while summers reach 79°F in July. With 301 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 54.8 inches. Air quality is rated Good with a median AQI of 40.
Chesterfield has a population of 650 with a density of 85 people per square mile, spread across 7.7 square miles. The median age is 44.1 years, 13% older than the national median of 38.9. The gender split is 48.3% female and 51.7% male. The city is predominantly White (100%). English is the primary language spoken at home by 96.8% of residents. 8.0% of the population are veterans, above the national rate of 6.0%. 16.9% of residents have a disability (above the 13.0% national average). 84.5% have health insurance coverage.
Population
44.1yrs
Median Age
13% above US avg
Race & Ethnicity
Chesterfield vs U.S. Average
Language Spoken at Home
English Only
96.8%
23% above US avg
Spanish
3.2%
76% below US avg
Social Characteristics
Chesterfield vs U.S. Average
The median household income in Chesterfield is $58,929, which is 22% below the national average of $75,149. Per capita income is $21,498 (below the $39,052 national figure). The average weekly wage is $908, 37% lower than the U.S. average. The unemployment rate is 9.5% (above the 3.6% US average). 8.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 614 business establishments, including 46 restaurants. The cost of living index is 91.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 29 minutes. 0.0% of workers work from home (below the 15.2% national rate).
Income: Chesterfield vs U.S.
Income
| Median HH Income | $58,929 |
| 22% below US avg |
| Per Capita Income | $21,498 |
| Avg Weekly Wage | $908 |
| IRS Avg AGI | $57,345 |
| Gini Index | 0.442 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 9.5% |
| 164% above US avg |
| Poverty Rate | 8.1% |
| 35% below US avg |
| Establishments (County) | 614 |
| County GDP | $1,064M |
Business (County)
| Restaurants | 46 |
| Healthcare | 56 |
| Retail | 95 |
| Manufacturing | 32 |
Tax & Cost of Living
| Property Tax (IRS) | $2,605 |
| 26% below US avg |
| Cost of Living | 91.90 (100=avg) |
| Effective Tax Rate | 1.32% |
Commute & Transportation
| Commute Time | 28.7 min |
| Drive Alone | 89.5% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Chesterfield is $198,000, 30% below the national median of $281,900. Zillow estimates the typical home value at $225,986, higher than the Census estimate. Fair market rent ranges from $924 for a one-bedroom to $1,118 for a two-bedroom apartment. 70.3% of housing units are owner-occupied. There are 236 total housing units in the city. The median year a home was built is 1994. The average annual property tax is $2,605 (lower than the $3,500 national average). 47.3% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 3.4x.
Home Values
| Census Median | $198,000 |
| 30% below US avg |
| Zillow ZHVI | $225,986 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $882 |
| 1 Bedroom | $924 |
| 2 Bedrooms | $1,118 |
| 3 Bedrooms | $1,445 |
| 4 Bedrooms | $1,644 |
Ownership & Property
| Homeownership | 70.3% |
| Owner-Occupied | 70.3% |
| Renter-Occupied | 29.7% |
| Housing Units | 236 |
| Median Year Built | 1994 |
Property Tax
| Avg Tax (IRS) | $2,605 |
| 26% below US avg |
| Effective Rate | 1.32% |
In Chesterfield, 34.9% of adults are obese, above the national rate of 32.1%. 9.9% have diabetes. Heart disease affects 5.0% of residents. 33.0% have high blood pressure. 18.4% are current smokers (above the 14.0% national rate). 16.0% report binge drinking. 25.4% are physically inactive. 31.9% report depression (above the 20.0% national average). 21.7% experience frequent mental distress. 10.7% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:5,591. The dentist ratio is 1:3,491. 35.8% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: Chesterfield vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.9% |
| 9% above US avg |
| Diabetes | 9.9% |
| Heart Disease | 5.0% |
| High Blood Pressure | 33.0% |
| Asthma | 11.6% |
| COPD | 7.5% |
| Cancer | 7.6% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 18.4% |
| 31% above US avg |
| Binge Drinking | 16.0% |
| Physical Inactivity | 25.4% |
| Depression | 31.9% |
| Mental Distress | 21.7% |
| Physical Distress | 14.6% |
| Short Sleep | 36.6% |
Healthcare Access
| Insurance Rate | 84.5% |
| Uninsured | 10.7% |
| 24% above US avg |
| Primary Care | 1:5,591 |
| Dentists | 1:3,491 |
| Mental Health | 1:1,754 |
| Checkup Rate | 75.7% |
| Dental Visits | 60.3% |
| Premature Death | 12,842/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 35.8% |
| Healthcare Facilities | 56 |
Chesterfield has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 509 per 100,000, 74% below the U.S. average. The county recorded 13 fatal traffic crashes. Overall, Chesterfield receives a safety grade of C+.
Crime Rates: Chesterfield vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 509.2/100K |
| 74% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 13 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Chesterfield enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 38°F in January while summers reach 79°F in July. The area gets 301 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 54.8 inches (wetter than the 38-inch national average). The area receives 1.5 inches of snow annually. Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 422 feet.
Temperature
38°F Jan (3°C)
79°F Jul (26°C)
| Annual Average | 59.2°F |
| 10% above US avg |
| January Average | 38°F (3°C) |
| July Average | 79°F (26°C) |
| Sunny Days | 301 days/yr |
Geography
| Elevation | 422 ft (129 m) |
| Area | 7.7 sq mi (19.9 km²) |
| Population Density | 85/sq mi |
| Coordinates | 35.6528°N, 88.2670°W |
| Timezone | America/Chicago |
| County | Henderson County County |
| Nearest Airport | Mc Kellar-Sipes Regional (MKL)
37 miles away |
Precipitation & Snow
Annual Rainfall
54.8"
44% above US avg
Wettest Month (Mar)
5.63"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 63.1 / 100 |
| Social Vulnerability | 61.9 / 100 |
| Community Resilience | 46.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
191 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M2.7 on Apr 4, 2025.
| Jun 2, 2005 |
12 km S of Ridgely, Tennessee |
M4.0 |
122 km |
| May 16, 2024 |
6 km S of Ridgely, Tennessee |
M3.8 |
125 km |
| Apr 24, 2019 |
12 km NNW of Dyersburg, Tennessee |
M3.7 |
119 km |
| Jan 16, 2018 |
4 km SW of Caruthersville, Missouri |
M3.6 |
140 km |
| Apr 2, 2015 |
1 km WNW of Cooter, Missouri |
M3.6 |
147 km |
| Aug 25, 2015 |
9 km W of Henning, Tennessee |
M3.5 |
128 km |
| Sep 9, 2016 |
9 km NW of Tiptonville, Tennessee |
M3.4 |
145 km |
| Aug 29, 1990 |
9 km WSW of Central, Tennessee |
M3.4 |
125 km |
| Nov 6, 2009 |
6 km NNW of Dyersburg, Tennessee |
M3.4 |
113 km |
| Apr 28, 1993 |
8 km SSE of Ridgely, Tennessee |
M3.4 |
122 km |
| Aug 12, 2013 |
7 km S of Hornbeak, Tennessee |
M3.3 |
115 km |
| Jun 17, 2012 |
6 km NW of Tiptonville, Tennessee |
M3.3 |
141 km |
| May 31, 2022 |
12 km SE of Ridgely, Tennessee |
M3.2 |
117 km |
| Aug 18, 2017 |
8 km SSE of Marston, Missouri |
M3.2 |
148 km |
| Dec 18, 2009 |
9 km SE of Marston, Missouri |
M3.1 |
145 km |
| Aug 23, 1999 |
1 km WSW of Ridgely, Tennessee |
M3.1 |
130 km |
| Nov 6, 1994 |
11 km WSW of Trenton, Tennessee |
M3.1 |
79 km |
| Nov 29, 1996 |
3 km ESE of Ridgely, Tennessee |
M3.1 |
126 km |
| Jun 6, 1995 |
5 km SSE of Ridgely, Tennessee |
M3.1 |
125 km |
| Apr 7, 2014 |
8 km SE of Ridgely, Tennessee |
M3.1 |
121 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
417 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 117 fatalities, 1,207 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 16, 1998 |
EF5 |
53 km |
3 |
| Feb 5, 2008 |
EF4 |
54 km |
0 |
| Feb 5, 2008 |
EF4 |
43 km |
3 |
| May 4, 2003 |
EF4 |
71 km |
11 |
| May 5, 1999 |
EF4 |
33 km |
3 |
| Jan 17, 1999 |
EF4 |
56 km |
6 |
| Mar 1, 1997 |
EF4 |
95 km |
0 |
| May 7, 1971 |
EF4 |
66 km |
3 |
| Apr 3, 1956 |
EF4 |
20 km |
3 |
| Mar 21, 1952 |
EF4 |
94 km |
2 |
| Mar 21, 1952 |
EF4 |
77 km |
38 |
| Mar 31, 2023 |
EF3 |
74 km |
9 |
| Dec 23, 2015 |
EF3 |
64 km |
0 |
| Apr 11, 2008 |
EF3 |
89 km |
0 |
| Apr 2, 2006 |
EF3 |
92 km |
2 |
| Apr 2, 2006 |
EF3 |
83 km |
6 |
| May 4, 2003 |
EF3 |
63 km |
0 |
| Nov 26, 2001 |
EF3 |
66 km |
2 |
| May 27, 2000 |
EF3 |
79 km |
0 |
| Jan 22, 1999 |
EF3 |
45 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
7 wildfires (100+ acres) within 100 km.
Largest: DEVILS BACKBONE RX (3,215 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
DEVILS BACKBONE RX |
3,215 |
97 km |
| 2007 |
ROCKHOUSE ROAD |
791 |
49 km |
| 2000 |
UNNAMED |
762 |
55 km |
| 2011 |
YELLOW CREEK |
572 |
98 km |
| 1999 |
UNNAMED |
564 |
62 km |
| 1996 |
UNNAMED |
523 |
84 km |
| 2014 |
MERIWETHER LEWIS |
513 |
75 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
38°F (3°C) |
4.1 in |
Coldest |
| February |
41°F (5°C) |
4.5 in |
|
| March |
50°F (10°C) |
5.6 in |
Wettest |
| April |
59°F (15°C) |
4.9 in |
|
| May |
67°F (19°C) |
5.4 in |
|
| June |
75°F (24°C) |
4.0 in |
|
| July |
79°F (26°C) |
4.6 in |
Warmest |
| August |
77°F (25°C) |
3.3 in |
Driest |
| September |
71°F (22°C) |
3.8 in |
|
| October |
59°F (15°C) |
3.4 in |
|
| November |
49°F (10°C) |
5.0 in |
|
| December |
41°F (5°C) |
5.5 in |
|
Chesterfield has a seasonal temperature swing of 41°F / from 38°F in January to 79°F in July. Total annual precipitation is 54.1 inches, with March being the wettest month (5.6") and August the driest (3.3").
Average costs for common services in Chesterfield. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$230 ($138–$368) |
| Specialist Visit |
$322 ($184–$505) |
| Urgent Care Visit |
$184 ($92–$322) |
| Emergency Room Visit |
$2,022 ($735–$4,595) |
| Dental Cleaning |
$119 ($69–$184) |
| Dental Filling |
$230 ($138–$368) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$69) |
| Oil Change (Synthetic) |
$69 ($46–$110) |
| Brake Pad Replacement |
$276 ($138–$460) |
| Tire Rotation |
$37 ($18–$69) |
| New Tires (Set of 4) |
$551 ($368–$919) |
| Battery Replacement |
$184 ($92–$322) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$92 ($55–$138) |
| Electrician (Per Hour) |
$83 ($46–$129) |
| HVAC Repair |
$368 ($138–$735) |
| HVAC System Install |
$6,433 ($3,676–$11,028) |
| Roof Repair |
$919 ($368–$1,838) |
| Roof Replacement |
$8,271 ($5,055–$13,785) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,379 ($460–$3,217) |
| Divorce (Contested) |
$13,785 ($4,595–$27,570) |
| DUI Defense |
$4,595 ($1,838–$9,190) |
| Bankruptcy (Chapter 7) |
$1,379 ($735–$2,757) |
| Will Preparation |
$460 ($184–$919) |
| Trust Preparation |
$2,298 ($919–$4,595) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$51 ($28–$92) |
| Hair Coloring (Full) |
$138 ($69–$230) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$119) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.77 ($2.76–$5.05) |
| Dozen Eggs (per dozen) |
$3.22 ($2.30–$4.60) |
| Loaf of Bread |
$3.49 ($2.30–$5.05) |
| Chicken Breast (per lb) |
$4.14 ($2.76–$5.97) |
| Ground Beef (per lb) |
$5.05 ($3.68–$6.89) |
| Rice (per lb) |
$0.92 ($0.55–$1.65) |
View all 20 services
Utilities
| Electricity (Monthly) |
$129 ($74–$230) |
| Natural Gas (Monthly) |
$64 ($28–$138) |
| Water/Sewer (Monthly) |
$64 ($37–$110) |
| Internet (Monthly) |
$64 ($37–$92) |
| Cell Phone Plan (Monthly) |
$60 ($28–$92) |
| Cable TV (Monthly) |
$78 ($46–$138) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$184 ($69–$460) |
| Car Insurance (Annual) |
$1,838 ($1,103–$3,217) |
| Bus Pass (Monthly) |
$64 ($28–$119) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.35–$23) |
| Car Registration (Annual) |
$92 ($28–$230) |
| Driver's License Renewal |
$28 ($14–$69) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,103 ($551–$2,298) |
| Daycare (Toddler, Monthly) |
$919 ($460–$1,838) |
| After-School Care (Monthly) |
$368 ($184–$643) |
| Tutoring (Per Hour) |
$46 ($23–$92) |
| SAT/ACT Prep Course |
$919 ($368–$2,298) |
| Private School (K-12, Annual) |
$11,488 ($4,595–$27,570) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$55 ($28–$92) |
| Dog Vaccination (Annual) |
$92 ($46–$184) |
| Dog Grooming |
$55 ($28–$92) |
| Pet Boarding (Per Night) |
$37 ($18–$69) |
| Dog Spay/Neuter |
$276 ($138–$460) |
| Cat Spay/Neuter |
$184 ($92–$368) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $567 |
| Toddler | $476 |
| Preschool | $476 |
| Family Childcare (monthly) |
| Infant | $393 |
| Toddler | $422 |
| Preschool | $422 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Chesterfield
What is the population of Chesterfield?
Chesterfield has a population of 650 residents and is located in Tennessee. The population density is 85 people per square mile, spread across 7.7 square miles. The median age of residents is 44.1 years, which is older than the national median of 38.9 years. The population is 48.3% female and 51.7% male.
Is Chesterfield expensive to live in?
Chesterfield is more affordable than the national average, with a cost of living index of 91.9 / below the baseline of 100. The median household income is $58,929, 22% below the national average of $75,149. The median home value is $198,000 (30% below the U.S. median). The home price-to-income ratio is 3.4x, indicating housing is reasonably affordable relative to local income levels.
Is Chesterfield safe?
Chesterfield is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 509 per 100,000 (below the national average). Overall, Chesterfield receives a safety grade of C+ based on combined crime data.
What is the weather like in Chesterfield?
Chesterfield enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 38°F in January, while summers reach an average of 79°F in July. The area receives 301 sunny days per year, well above the national average of 205. Annual rainfall totals 54.8 inches, with 1.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Chesterfield?
The job market in Chesterfield faces challenges, with unemployment at 9.5% / significantly above the national rate of 3.6%. The average weekly wage is $908. There are 614 business establishments in the area, including 46 restaurants and food service locations. The average commute time is 29 minutes, and 0.0% of workers work from home.
How much does housing cost in Chesterfield?
The median home value in Chesterfield is $198,000. Zillow estimates the typical home value at $225,986. The homeownership rate is 70.3%. The average annual property tax is $2,605.
How are the schools in Chesterfield?
Schools in Chesterfield score 5.9 out of 10 on standardized testing, near the national average. 11.7% of adults in Chesterfield hold a bachelor's degree or higher, below the national average of 33.7%. 90.1% have completed high school. 4.8% hold a graduate or professional degree.
How healthy is Chesterfield?
The obesity rate in Chesterfield is 34.9% (above the national rate of 32.1%). 18.4% of adults are smokers. 25.4% are physically inactive. 31.9% of residents report depression. 10.7% lack health insurance (above the national rate). 35.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:5,591.
What is transportation like in Chesterfield?
The average commute in Chesterfield is 29 minutes. 89.5% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Chesterfield?
The racial and ethnic makeup of Chesterfield is 100% White. 96.8% of residents speak only English at home, while 3.2% speak Spanish. 8.0% of the population are military veterans. 16.9% of residents have a disability. 84.5% have health insurance coverage.
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