Median Income
$64,438
14% lower than US avg
Home Value
$200,000
29% lower than US avg
Violent Crime
172/100K
55% lower than US avg
Bachelor's+
27.7%
18% lower than US avg
Median Rent
$639
45% lower than US avg
Obesity Rate
29.9%
7% lower than US avg
Unemployment
12.0%
233% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How Chestertown Compares to the U.S. Average (100% = U.S. avg)
People
Population529
Median Age39.8 yrs
Density138/mi²
Male / Female37% / 63%
Largest GroupWhite 94%
Veterans2.6%
Economy
B
Median Income$64,438
Per Capita$32,700
Unemployment12.0%
Poverty0.0%
County GDP$6,768M
Commute28 min
Housing
A+
Home Value$200,000
Rent$639
Ownership68.5%
Zillow$360,597
Housing Units311
Rent Burden17.1%
Crime
F
Violent172/100K
Property2,328/100K
Health
Obesity29.9%
Uninsured5.6%
Smoking12.4%
Depression22.1%
Heart Disease4.9%
Climate
Avg Temp48°F (9°C)
AQI36 (Good)
Rain42.6 in/yr
Sunny Days246/yr
Elevation1,119 ft (341 m)
Education
B
Bachelor's+27.7%
High School+85.8%
Graduate+3.9%
School Score5.93
Community
2024 VoteR 52% / D 48%
Commute28 min
Broadband93.0%
EV Stations2
Libraries10
Is Chestertown a Good Place to Live?
Based on current data, Chestertown receives an overall livability score of 3.1 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. Chestertown offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Chestertown is $64,438, 14% below the national average of $75,149. At 12.0%, unemployment is notably high. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Chestertown is $200,000, 29% below the national median / offering relatively affordable homeownership. Renters pay a median of $639 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Chestertown is below the national average at 172 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,328 per 100,000, near the national average.
Education
27.7% of residents hold a bachelor's degree, below the national average of 33.7%. 85.8% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Chestertown experiences four distinct seasons with an average temperature of 48°F. Winters average 21°F in January while summers reach 72°F in July. The area gets 246 sunny days per year. Annual precipitation totals 42.6 inches. Air quality is rated Good with a median AQI of 36.
Chestertown has a population of 529 with a density of 138 people per square mile, spread across 3.9 square miles. The median age is 39.8 years, 2% older than the national median of 38.9. The gender split is 63.1% female and 36.9% male. The city is predominantly White (93.6%), with 2.1% Hispanic. English is the primary language spoken at home by 100% of residents. 2.6% of the population are veterans, below the national rate of 6.0%. 17.6% of residents have a disability (above the 13.0% national average). 89.6% have health insurance coverage.
Population
39.8yrs
Median Age
2% above US avg
Race & Ethnicity
Chestertown vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Chestertown vs U.S. Average
The median household income in Chestertown is $64,438, which is 14% below the national average of $75,149. Per capita income is $32,700 (below the $39,052 national figure). The average weekly wage is $1,146, 20% lower than the U.S. average. The unemployment rate is 12.0% (above the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,417 business establishments, including 392 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 28 minutes. 27.5% of workers work from home (above the 15.2% national rate).
Income: Chestertown vs U.S.
Income
| Median HH Income | $64,438 |
| 14% below US avg |
| Per Capita Income | $32,700 |
| Avg Weekly Wage | $1,146 |
| IRS Avg AGI | $76,418 |
| Gini Index | 0.441 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 12.0% |
| 233% above US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 2,417 |
| County GDP | $6,768M |
Business (County)
| Restaurants | 392 |
| Healthcare | 274 |
| Retail | 384 |
| Manufacturing | 76 |
Tax & Cost of Living
| Property Tax (IRS) | $8,522 |
| 143% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 4.26% |
Commute & Transportation
| Commute Time | 27.9 min |
| Drive Alone | 60.0% |
| Public Transit | 0.0% |
| Work from Home | 27.5% |
The median home value in Chestertown is $200,000, 29% below the national median of $281,900. Zillow estimates the typical home value at $360,597, higher than the Census estimate. Monthly rent averages $639 (45% below the national average of $1,163). Fair market rent ranges from $1,315 for a one-bedroom to $1,579 for a two-bedroom apartment. 68.5% of housing units are owner-occupied. There are 311 total housing units in the city. The median year a home was built is 1946. The average annual property tax is $8,522 (higher than the $3,500 national average). 17.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.1x.
Home Values
| Census Median | $200,000 |
| 29% below US avg |
| Zillow ZHVI | $360,597 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $639 |
| 45% below US avg |
| Rent Burden | 17.1% |
HUD Fair Market Rent
| Studio | $1,215 |
| 1 Bedroom | $1,315 |
| 2 Bedrooms | $1,579 |
| 3 Bedrooms | $1,976 |
| 4 Bedrooms | $2,193 |
Ownership & Property
| Homeownership | 68.5% |
| Owner-Occupied | 68.5% |
| Renter-Occupied | 31.5% |
| Housing Units | 311 |
| Median Year Built | 1946 |
Property Tax
| Avg Tax (IRS) | $8,522 |
| 143% above US avg |
| Effective Rate | 4.26% |
In Chestertown, 29.9% of adults are obese, below the national rate of 32.1%. 7.9% have diabetes (below the 10.5% national rate). Heart disease affects 4.9% of residents, below the national average. 28.0% have high blood pressure. 12.4% are current smokers. 18.9% report binge drinking. 20.9% are physically inactive, below the national average. 22.1% report depression. 16.8% experience frequent mental distress. 5.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:899. The dentist ratio is 1:1,131. 99.2% of residents have access to exercise opportunities. The food environment index is 8.4 out of 10.
Health Metrics: Chestertown vs U.S. Average (%)
Chronic Conditions
| Obesity | 29.9% |
| 7% below US avg |
| Diabetes | 7.9% |
| Heart Disease | 4.9% |
| High Blood Pressure | 28.0% |
| Asthma | 10.8% |
| COPD | 5.5% |
| Cancer | 7.7% |
| Stroke | 2.5% |
Behaviors & Mental Health
| Smoking | 12.4% |
| 11% below US avg |
| Binge Drinking | 18.9% |
| Physical Inactivity | 20.9% |
| Depression | 22.1% |
| Mental Distress | 16.8% |
| Physical Distress | 11.8% |
| Short Sleep | 33.5% |
Healthcare Access
| Insurance Rate | 89.6% |
| Uninsured | 5.6% |
| 35% below US avg |
| Primary Care | 1:899 |
| Dentists | 1:1,131 |
| Mental Health | 1:210 |
| Checkup Rate | 77.9% |
| Dental Visits | 66.8% |
| Premature Death | 7,391/100K |
Food & Exercise
| Food Environment | 8.4/10 |
| Exercise Access | 99.2% |
| Healthcare Facilities | 274 |
Chestertown has a violent crime rate of 172 per 100,000 residents, 55% below the national average of 380. Property crime stands at 2,328 per 100,000, 19% above the U.S. average. The county recorded 12 fatal traffic crashes. Overall, Chestertown receives a safety grade of F.
Crime Rates: Chestertown vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 172.2/100K |
| 55% below US avg |
| |
Property Crime
| Total Property | 2,328.1/100K |
| 19% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Traffic Accidents | 138 |
| Avg Accident Severity | 2.4 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Chestertown experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 21°F in January while summers reach 72°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 42.6 inches. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,119 feet.
Temperature
21°F Jan (-6°C)
72°F Jul (22°C)
| Annual Average | 47.9°F |
| 11% below US avg |
| January Average | 21°F (-6°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 1,119 ft (341 m) |
| Area | 3.9 sq mi (10.0 km²) |
| Population Density | 138/sq mi |
| Coordinates | 43.6431°N, 73.7835°W |
| Timezone | America/New_York |
| County | Warren County County |
| Nearest Airport | Rutland/Southern Vermont Regional (RUT) 42 miles away |
Precipitation & Snow
Annual Rainfall
42.6"
12% above US avg
Wettest Month (Aug)
4.29"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 62.3 / 100 |
| Social Vulnerability | 26.6 / 100 |
| Community Resilience | 95.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
39 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.3. Most recent: M2.6 on Jun 18, 2024.
| Apr 20, 2002 |
8 km NNW of Au Sable Forks, New York |
M5.3 |
97 km |
| Jun 17, 1991 |
7 km NE of Worcester, New York |
M4.0 |
134 km |
| Apr 20, 2000 |
7 km WSW of Newcomb, New York |
M3.8 |
51 km |
| Apr 8, 2003 |
17 km ESE of Saint Regis Falls, New York |
M3.7 |
117 km |
| Apr 20, 2002 |
5 km NNW of Au Sable Forks, New York |
M3.7 |
94 km |
| Jun 9, 1998 |
3 km N of Dannemora, New York |
M3.3 |
123 km |
| Jul 31, 1997 |
0 km WSW of Lyons Falls, New York |
M3.2 |
128 km |
| Aug 24, 2011 |
13 km ENE of Saint Regis Falls, New York |
M3.2 |
127 km |
| Dec 13, 2009 |
15 km N of Medusa, New York |
M3.2 |
122 km |
| May 24, 2002 |
6 km N of Au Sable Forks, New York |
M3.1 |
96 km |
| Mar 11, 2020 |
0 km SSW of South Glens Falls, New York |
M3.1 |
41 km |
| Jul 24, 2007 |
12 km SSW of Altamont, New York |
M3.1 |
119 km |
| May 18, 2009 |
15 km N of Medusa, New York |
M3.1 |
122 km |
| Mar 2, 1995 |
3 km ENE of Tupper Lake, New York |
M3.0 |
83 km |
| Jun 25, 2002 |
6 km NNW of Au Sable Forks, New York |
M3.0 |
95 km |
| Oct 13, 1997 |
18 km NW of Cranberry Lake, New York |
M3.0 |
124 km |
| Mar 9, 1999 |
7 km NW of Dannemora, New York |
M2.9 |
124 km |
| Sep 29, 1994 |
13 km WNW of North Creek, New York |
M2.9 |
30 km |
| Oct 21, 2009 |
15 km N of Medusa, New York |
M2.9 |
122 km |
| May 14, 2007 |
5 km ESE of Benson, Vermont |
M2.8 |
44 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
2 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Bob (1991, Cat 1).
| Year |
Name |
Category |
Closest |
| 1991 |
Bob |
Category 2 |
291 km |
| 1985 |
Gloria |
Category 1 |
210 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
77 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 89 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 22, 2014 |
EF3 |
97 km |
0 |
| May 31, 1998 |
EF3 |
80 km |
0 |
| Aug 20, 1968 |
EF3 |
100 km |
0 |
| Jun 24, 1960 |
EF3 |
94 km |
0 |
| May 29, 2013 |
EF2 |
95 km |
0 |
| Jun 5, 2002 |
EF2 |
100 km |
0 |
| Jun 11, 1976 |
EF2 |
36 km |
0 |
| Aug 28, 1973 |
EF2 |
51 km |
0 |
| Aug 28, 1973 |
EF2 |
85 km |
0 |
| May 29, 1969 |
EF2 |
74 km |
0 |
| Mar 22, 1955 |
EF2 |
86 km |
0 |
| May 6, 1952 |
EF2 |
78 km |
0 |
| Jul 16, 2024 |
EF1 |
49 km |
0 |
| Jul 16, 2024 |
EF1 |
59 km |
0 |
| Jul 16, 2024 |
EF1 |
88 km |
0 |
| Jul 16, 2024 |
EF1 |
61 km |
0 |
| Jul 16, 2024 |
EF1 |
42 km |
0 |
| Jul 18, 2022 |
EF1 |
62 km |
0 |
| Mar 26, 2021 |
EF1 |
67 km |
0 |
| Aug 29, 2020 |
EF1 |
82 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
21°F (-6°C) |
2.8 in |
|
| February |
21°F (-6°C) |
2.5 in |
Coldest, Driest |
| March |
30°F (-1°C) |
3.0 in |
|
| April |
42°F (6°C) |
3.3 in |
|
| May |
55°F (13°C) |
3.8 in |
|
| June |
63°F (17°C) |
3.7 in |
|
| July |
72°F (22°C) |
3.5 in |
Warmest |
| August |
66°F (19°C) |
4.3 in |
Wettest |
| September |
58°F (14°C) |
3.5 in |
|
| October |
47°F (8°C) |
3.5 in |
|
| November |
36°F (2°C) |
3.8 in |
|
| December |
24°F (-4°C) |
3.2 in |
|
Chestertown has a seasonal temperature swing of 52°F / from 21°F in February to 72°F in July. Total annual precipitation is 40.9 inches, with August being the wettest month (4.3") and February the driest (2.5").
Average costs for common services in Chestertown. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$270 ($162–$432) |
| Specialist Visit |
$378 ($216–$593) |
| Urgent Care Visit |
$216 ($108–$378) |
| Emergency Room Visit |
$2,374 ($863–$5,395) |
| Dental Cleaning |
$140 ($81–$216) |
| Dental Filling |
$270 ($162–$432) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$49 ($27–$81) |
| Oil Change (Synthetic) |
$81 ($54–$129) |
| Brake Pad Replacement |
$324 ($162–$540) |
| Tire Rotation |
$43 ($22–$81) |
| New Tires (Set of 4) |
$647 ($432–$1,079) |
| Battery Replacement |
$216 ($108–$378) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$108 ($65–$162) |
| Electrician (Per Hour) |
$97 ($54–$151) |
| HVAC Repair |
$432 ($162–$863) |
| HVAC System Install |
$7,553 ($4,316–$12,948) |
| Roof Repair |
$1,079 ($432–$2,158) |
| Roof Replacement |
$9,711 ($5,935–$16,185) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,619 ($540–$3,777) |
| Divorce (Contested) |
$16,185 ($5,395–$32,370) |
| DUI Defense |
$5,395 ($2,158–$10,790) |
| Bankruptcy (Chapter 7) |
$1,619 ($863–$3,237) |
| Will Preparation |
$540 ($216–$1,079) |
| Trust Preparation |
$2,698 ($1,079–$5,395) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16–$49) |
| Women's Haircut |
$59 ($32–$108) |
| Hair Coloring (Full) |
$162 ($81–$270) |
| Manicure |
$27 ($16–$49) |
| Pedicure |
$43 ($27–$70) |
| Massage (1 Hour) |
$86 ($54–$140) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.42 ($3.24–$5.93) |
| Dozen Eggs (per dozen) |
$3.78 ($2.70–$5.40) |
| Loaf of Bread |
$4.10 ($2.70–$5.93) |
| Chicken Breast (per lb) |
$4.86 ($3.24–$7.01) |
| Ground Beef (per lb) |
$5.93 ($4.32–$8.09) |
| Rice (per lb) |
$1.08 ($0.65–$1.94) |
View all 20 services
Utilities
| Electricity (Monthly) |
$151 ($86–$270) |
| Natural Gas (Monthly) |
$76 ($32–$162) |
| Water/Sewer (Monthly) |
$76 ($43–$129) |
| Internet (Monthly) |
$76 ($43–$108) |
| Cell Phone Plan (Monthly) |
$70 ($32–$108) |
| Cable TV (Monthly) |
$92 ($54–$162) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$216 ($81–$540) |
| Car Insurance (Annual) |
$2,158 ($1,295–$3,777) |
| Bus Pass (Monthly) |
$76 ($32–$140) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.63–$27) |
| Car Registration (Annual) |
$108 ($32–$270) |
| Driver's License Renewal |
$32 ($16–$81) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,295 ($647–$2,698) |
| Daycare (Toddler, Monthly) |
$1,079 ($540–$2,158) |
| After-School Care (Monthly) |
$432 ($216–$755) |
| Tutoring (Per Hour) |
$54 ($27–$108) |
| SAT/ACT Prep Course |
$1,079 ($432–$2,698) |
| Private School (K-12, Annual) |
$13,488 ($5,395–$32,370) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$65 ($32–$108) |
| Dog Vaccination (Annual) |
$108 ($54–$216) |
| Dog Grooming |
$65 ($32–$108) |
| Pet Boarding (Per Night) |
$43 ($22–$81) |
| Dog Spay/Neuter |
$324 ($162–$540) |
| Cat Spay/Neuter |
$216 ($108–$432) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,251 |
| Toddler | $1,191 |
| Preschool | $1,104 |
| Family Childcare (monthly) |
| Infant | $866 |
| Toddler | $866 |
| Preschool | $857 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Chestertown
What is the population of Chestertown?
Chestertown has a population of 529 residents and is located in New York. The population density is 138 people per square mile, spread across 3.9 square miles. The median age of residents is 39.8 years. The population is 63.1% female and 36.9% male.
Is Chestertown expensive to live in?
Chestertown is slightly more expensive than average, with a cost of living index of 107.9 compared to the national baseline of 100. The median household income is $64,438, 14% below the national average of $75,149. The median home value is $200,000 (29% below the U.S. median). Renters pay a median of $639 per month, below the national average of $1,163. The home price-to-income ratio is 3.1x, indicating housing is reasonably affordable relative to local income levels.
Is Chestertown safe?
Chestertown is safer than the national average, with a violent crime rate of 172 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,328 per 100,000 (above the national average). Overall, Chestertown receives a safety grade of F based on combined crime data.
What is the weather like in Chestertown?
Chestertown has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 21°F in January, while summers reach an average of 72°F in July. The area receives 246 sunny days per year. Annual rainfall totals 42.6 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Chestertown?
The job market in Chestertown faces challenges, with unemployment at 12.0% / significantly above the national rate of 3.6%. The average weekly wage is $1,146. There are 2,417 business establishments in the area, including 392 restaurants and food service locations. The average commute time is 28 minutes, and 27.5% of workers work from home.
How much does housing cost in Chestertown?
The median home value in Chestertown is $200,000. Zillow estimates the typical home value at $360,597. For renters, the median monthly rent is $639. Fair market rent is $1,315 for a 1-bedroom and $1,579 for a 2-bedroom apartment. The homeownership rate is 68.5%. The average annual property tax is $8,522.
How are the schools in Chestertown?
Schools in Chestertown score 5.9 out of 10 on standardized testing, near the national average. 27.7% of adults in Chestertown hold a bachelor's degree or higher, below the national average of 33.7%. 85.8% have completed high school. 3.9% hold a graduate or professional degree.
How healthy is Chestertown?
The obesity rate in Chestertown is 29.9% (below the national rate of 32.1%). 12.4% of adults are smokers. 20.9% are physically inactive. 22.1% of residents report depression. 5.6% lack health insurance (below the national rate). 99.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:899.
What is transportation like in Chestertown?
The average commute in Chestertown is 28 minutes. 60% of workers drive alone to work, and 27.5% work from home.
What are the demographics of Chestertown?
The racial and ethnic makeup of Chestertown is 93.6% White, 2.1% Hispanic or Latino. 100% of residents speak only English at home. 2.6% of the population are military veterans. 17.6% of residents have a disability. 89.6% have health insurance coverage.