Market Overview
Home Prices in Geneva-on-the-Lake, OH
The median home value in Geneva-on-the-Lake, OH is $199,360 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.4% compared to a year ago and up 8.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Geneva-on-the-Lake are priced51% below average. Geneva-on-the-Lake is part of the Ashtabula, OH metro area.
Over the past five years, Geneva-on-the-Lake home values have risen by approximately50.6%, reflecting strong long-term appreciation in this market.
Price History
Geneva-on-the-Lake Home Price Trend
City Comparison
Geneva-on-the-Lake vs. National Median
At $199,360, homes in Geneva-on-the-Lake cost 51% below the national median of $410,000. This makes Geneva-on-the-Lake a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Geneva-on-the-Lake?
20% Down Payment
$39,872
on $199,360
Monthly P&I
$1,040/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,321/mo
incl. taxes & insurance
Income Needed
$52,840
gross annual (30% rule)
10% Down Option
$19,936
+ PMI applies
Loan Amount (20% dn)
$159,488
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Geneva-on-the-Lake, OH?
The median home value in Geneva-on-the-Lake is $199,360 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.4% year-over-year.
How much have home prices changed in Geneva-on-the-Lake?
Over the past year, home values in Geneva-on-the-Lake have increased by 9.4%. Over five years, prices have risen approximately 50.6%.
How much do I need to earn to buy a home in Geneva-on-the-Lake?
To comfortably afford the median home price of $199,360 with a 20% down payment ($39,872) at today's rates (6.8%), you'd need a gross annual income of approximately $52,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Geneva-on-the-Lake compare to the national average home price?
The national median home value is approximately $410,000. At $199,360, homes in Geneva-on-the-Lake are 51% below the national average.
What metro area is Geneva-on-the-Lake part of?
Geneva-on-the-Lake is part of the Ashtabula, OH metropolitan area. Home prices and market conditions can vary across the broader metro region.