Real Estate Investing in Geneva, Ohio (44041)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Ashtabula County • Population: 13,992 • Data updated: September 2026

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Should you buy in 44041 (Geneva, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 18.1% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Geneva, OH (44041)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $211,249
Avg Monthly Rent $927
1% Rule ✗ Does Not Meet
Median Income $53,563
% Renters 29.9%

Market Analysis: 44041 Geneva

The 44041 ZIP in Geneva, OH is a local-operator market. Outside capital chasing a $211K entry has to pair deep knowledge with the discount.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $211K asset, 44041 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 44041 sits on the difficult end of the OH spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

On balance, 13,992 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The 44041 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Geneva:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
22/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+7.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $927/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Ashtabula, OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Ashtabula, OH metro data
🏠

Property Strategy for 44041

Which property type performs best in this market?

Best for Cash Flow
1BR
5.1% cap rate
Best for Appreciation
2BR
+8.6% 5yr CAGR
Best Overall Value
5BR
$54,448/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $116,137 $830 5.1% +6.9% $116,137
2BR $163,329 $1,030 4.5% +8.6% $81,664
3BR $212,225 $1,250 4.2% +8.3% $70,742
4BR $252,606 $1,420 4.0% +8.2% $63,152
5BR $272,240 +7.4% $54,448

Market Trends

Home Value History (with trend line)

$220K$194K$169K$143K$118K$92KJul 2006Jul 2016Jul 2026

📊 How Does 44041 Compare?

Metric 44041 Geneva Ashtabula, OH Ohio
Home Value $211,249 $211,249 N/A $237,530
5-Year CAGR 6.7% 6.7% N/A 7.4%
Avg Rent $927 $927 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 44041? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 44041 (Geneva, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+6.7%
Strong

📉 Market Crash Risk Index

Based on Ashtabula, OH metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
51%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $211,249
Monthly Rent $927
Price-to-Rent 19.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.3%
Cap Rate 3.4%
5-Year IRR 10.1%

📈 Home Appreciation

1-Year +7.7% ▲
3-Year CAGR +6.7% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +7.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
18.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 44041

Population: 13,992

💰 Median Household Income
$53,563
This area
$53,563
State
$68,496
USA
$74,580
🏠 Renter Occupied
29.9%
This area
29.9%
State
25.8%
USA
34.0%
💼 Unemployment Rate
3.8%
This area
3.8%
State
-9.1%
USA
3.7%
🎓 College Educated
17.9%
This area
17.9%
State
8.4%
USA
33.7%
👤 Median Age
47.5 years
This area
47.5 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
18.1%
This area
18.1%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 91.8%
Other/Mixed 5.4%
Hispanic/Latino 2.4%
Black/African American 2.3%
Asian 0.4%
👶 Under 18
17.5%
This area
17.5%
USA
22.0%
👴 65 and Over
21.7%
This area
21.7%
USA
17.3%
📊 Poverty Rate
13.7%
This area
13.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 44041

B Avg School Grade
4 Schools
18.2:1 Avg Class Size
$12,898 Avg Per Pupil

Schools in This ZIP Code

B Good

Geneva Middle School

📚 04 – 08 School
👥
470 Students
👨‍🏫
17.9:1 Class Size
💰
$12,898 Per Student
B Good
👥
376 Students
👨‍🏫
16.7:1 Class Size
💰
$12,898 Per Student
B Good

Geneva High School

📚 08 – 12 High School
👥
649 Students
👨‍🏫
19.6:1 Class Size
💰
$12,898 Per Student
C+ Average

Cork Elementary School

📚 K – 05 Elementary
👥
284 Students
👨‍🏫
18.6:1 Class Size
💰
$12,898 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby 684 Off-Campus Students
D
Kent State University at Ashtabula
1,762 students · 10.0 mi
C
Ashtabula County Technical and Career Campus
161 students · 11.5 mi

Investor Insight: With 684 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is real estate in Geneva, OH a good investment right now?

Geneva, OH rates 3.0/5 for investability. With median values at $211K and rents near $927/mo, the market offers reasonable fundamentals for rental investors.

Should investors worry about vacancy in Geneva, OH?

Geneva, OH sees elevated vacancy, which is reasonable relative to the broader OH rental market.

What is the smart move for investors in Geneva, OH?

In Geneva, OH the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $211K prices and $927/mo rents suits that approach.

What is the tenant pool like in Geneva, OH?

The tenant pool in Geneva, OH is solid, supported by local employment and population fundamentals. Rents of $927/mo are well-absorbed by the market.

What is the average home sale price in Geneva, OH?

Typical homes in Geneva, OH go for around $211K. The 5-year CAGR of 0.0% measured price movement.

You know 44041 now. You don’t know where it ranks.

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How 44041 ranks in Ashtabula, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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