Chili vs Churchville New York 2026 Homes for Sale Comparison

Chili and Churchville sit right next to each other and share the same school district—which means they show up in a lot of the same searches. The overlap can make it hard to tell them apart. They're different in meaningful ways: same schools, different vibes. Knowing those differences helps you narrow your search and decide which side of Churchville-Chili fits your budget and lifestyle.

We look at these towns through an Appraiser-Lens—40+ years of local appraisal heritage in the family. This guide breaks down how the two compare so you can decide—whether you're relocating from out of state or a local considering a move.

Chili vs Churchville Tax Comparison

Rates are per $1,000 of assessed value. Chili's $4.86 is among the lowest county rates in Monroe County; Churchville Village at $5.65 reflects village services. Both at 100% equalization—assessment equals market value.

Chili vs Churchville at a Glance

Monroe County is home to both towns, and they share the Churchville-Chili Central School District (CCCSD). For school data, see NYSED.gov and the Churchville-Chili district website. We don't recommend or rate schools.

The Electric vs RG&E Math, Why It Matters

One of the biggest differences: Churchville Village runs its own municipal electric utility (Churchville Village Electric), which typically charges lower rates. Chili relies on RG&E for electric and gas—same as most Monroe County towns.

• Churchville Village has Churchville Village Electric. It purchases hydroelectric power from the New York Power Authority and typically offers lower rates than investor-owned utilities. Service is limited to the village boundaries. Details at Village of Churchville.

• Chili (and Churchville residents outside the village) use RG&E (Rochester Gas & Electric) for electric and gas. RG&E is what most of the county uses—perfectly normal.

The Appraiser Tip: The difference between an RG&E bill in Chili and Village Electric in Churchville? Real money. If you're comparing two similar homes for sale—one in each town—factor in the electric bill. A Churchville village home can save you $300–$600+ per year. That adds up over the life of a mortgage.

Village Electric Advantage: Why It Increases Property Desirability

Churchville Village Electric isn't just a utility—it's a value driver that appraisers and savvy buyers factor into the math. Here's why it increases property desirability:

• Lower carrying costs. Municipal rates from the New York Power Authority typically beat RG&E. Buyers who run the numbers see $300–$600+ in annual savings—and over 30 years, that's real equity.

• Buyer demand. Homes inside the village boundaries often attract buyers who've done the homework. They know the electric bill is lower, and they're willing to pay a premium for it. That demand shows up in comparable sales.

• Appraiser recognition. A manual appraisal looks at total cost of ownership—taxes, utilities, insurance. Village Electric is a documented, measurable advantage that supports higher valuations when comps are adjusted correctly.

• Resale appeal. When you sell, the next buyer gets the same benefit. That consistency makes Churchville village homes easier to market and often shortens time on market.

Appraiser-Lens take: Algorithms miss the Village Electric line. A Zestimate treats a Churchville village home the same as one three streets over on RG&E. We don't. When we run a manual audit, we factor in which side of that boundary your home sits on—because it matters for your equity.

Chili: What to Expect

Chili is a town with no incorporated village—larger and more spread out. Subdivisions, rural acreage, everything in between. Black Creek Park is the big draw—walk the trails, hit the picnic areas, let the kids run. Listings here offer more variety in housing and lot sizes than many of its neighbors.

What you'll typically find:

• Ranch and colonial styles in subdivisions
• Larger lots and rural properties toward the edges
• A range of price points from entry-level to move-up
• RG&E for electric and gas throughout

Churchville: What to Expect

Churchville has a village with a walkable downtown and historic character—see the Village of Churchville for community info. Buyers here usually want a small-town main street and community events—a different vibe from Chili's spread-out, park-focused appeal.

What you'll typically find:

• Historic village homes with character
• Subdivisions just outside the village
• Village Electric (municipal) inside village limits = lower electric bills
• RG&E outside the village

School District Comparison

Within the Churchville-Chili area, school tax rates vary by town. Equalization rates and levy changes directly impact what you pay—and how appraisers value comparable properties.

2026 Town and County Tax Rates

Town and county taxes are separate from school taxes. Here are the 2026 equalization rates and estimated town/county rates for the area:

Rates are per $1,000 of assessed value. Total rates are estimates based on standard town/county levies and do not include specific lighting, sewer, or school districts which vary by parcel.

School Tax Rates by Town

Chili and Churchville get most of the attention, but many buyers also look at the Town of Ogden—including North Ogden (14559, Spencerport schools) and Spencerport. Ogden is split: the southern half attends Churchville-Chili, the northern half attends Spencerport. Here's how those school tax rates compare:

Buyers and appraisers compare total cost of ownership—not just sale price. A home in Riga/Churchville at $14.41 per $1,000 has different ongoing costs than one in North Ogden at $15.41. For current rates, check the Churchville-Chili district, Spencerport district, or your tax office.

40-Year Appraiser's Insight: The "Hidden Lever" in Your Tax Bill

Growing up in a family with 40 years of local appraisal heritage, I've seen firsthand how a single tax boundary line can move a sale price by $15,000 overnight. The 3.31% levy doesn't hit every street the same way. The district sets one budget; the state uses Equalization Rates to divide that bill between Chili, Ogden, and Riga.

The 2026 Shift: Because the Town of Riga hit a 100% Equalization Rate, those homeowners actually saw their estimated tax rate drop from $17.77 to $14.41—a massive savings for sellers and buyers alike.

Quick Math (Based on $200,000 Assessed Value):

• Spencerport District (14559): ~$3,082/year @ $15.41
• Churchville-Chili District (14428/14514): ~$2,882/year @ $14.41 true value

The Result: Moving just two miles south saves a buyer $200 every single year on their school tax bill alone.

Chili vs Churchville: What is the Equalization Rate?

It works like a "Fairness Filter." Towns assess home values differently—one might be at 100% of market value, another at 90%. The state uses this rate so everyone pays their fair share of the school budget.

Appraiser Tip: We've been tracking these equalization shifts in the Rochester area for decades, ensuring our clients don't get hit with a "reassessment spike" after closing.

Why Most Online Estimates Are Wrong for Ogden & Chili

Algorithms (like Zestimates) nail bedrooms and bathrooms but miss Tax Boundaries. In our area, a house on one side of a street might be in Spencerport, while the neighbor across the road is in Churchville-Chili. The new 3.31% levy and shifting Equalization Rates (like Riga's move to 100%) mean that single boundary line can change a buyer's monthly payment by $150 or more.

For Sellers: If your agent can't explain these "True Value" savings to a buyer, you're leaving money on the table.

For Buyers: Without the math, you might accidentally bid yourself out of a home you could actually afford.

Get Your 15-Minute Appraiser-Lens Deep Dive—Delivered in 24 Hours

We don't guess—40+ years of appraisal heritage in the family. I look at the tax maps, the district levy impact, Village Electric boundaries, and the actual condition of your home.

See how these local tax resets impact your specific home value

A 15-minute Appraiser-Lens audit delivered in 24 hours. Tax maps, school boundary, and comps—no Zestimate guesswork.

Price Trends

Each area offers a range of price points. Chili spans more variety—from starter homes to acreage—thanks to its larger footprint. Churchville tends toward historic and updated village homes. For current median prices and trends, work with a local agent who has MLS access, or use our free home search to browse listings. Your agent can run a comparative market analysis (CMA) for the specific type of home you want.

For Locals: Selling One to Buy the Other

Already own in Chili or Churchville and want to switch? You're often a contingent buyer—your purchase depends on selling first. That can make offers tricky. "I'll buy your house… if mine sells first" isn't the pitch sellers dream of.

The Appraiser Advantage: With 40+ years of appraisal heritage in the family, we can price your current home accurately so you don't overprice (and sit) or underprice (and leave money on the table). Use our free home valuation to get a ballpark, then we can refine it. Getting the price right helps you move confidently into the other town.

Chili vs Churchville NY: Common Questions

Are Chili and Churchville NY in the Same School District?

Yes. Both Chili and Churchville are part of the Churchville-Chili Central School District (CCCSD), which also serves Ogden, Riga, and Sweden. For detailed school data, see NYSED.gov and the Churchville-Chili district website.

Is Churchville NY Cheaper Than Chili?

Costs vary by specific neighborhood and property type. Churchville village homeowners often pay less for electricity due to Village Electric (municipal rates). Property taxes and home prices depend on the exact location. A local agent can compare specific properties for you.

What Is Village Electric in Churchville?

Churchville Village Electric is a municipal electric utility that serves customers within the Village of Churchville. It purchases power from the New York Power Authority and typically offers lower residential rates than RG&E. Only village residents receive Village Electric; areas outside the village use RG&E.

Should I Buy in Chili or Churchville?

It depends on your priorities. Want more land, Black Creek Park proximity, and a spread-out suburban feel? Chili may fit. Want village charm, a walkable downtown, and potentially lower electric bills? Churchville village may fit. Both share the same schools—so the decision often comes down to lifestyle, lot size, and the kind of community you want.

How Do I Find Listings in Chili or Churchville?

Use our free home search for MLS-backed listings, or browse Rochester neighborhoods to explore Chili, Churchville, and nearby towns. A local agent with MLS access can alert you to new listings before they hit public portals.

What's the School Tax Difference Between Spencerport and Churchville-Chili in Ogden?

North Ogden (Spencerport district) and Spencerport face different tax rates. A $300k assessed home in Spencerport (North Ogden) at the 2025-26 rate of $15.41 pays about $4,623 in school taxes. The same home in Churchville-Chili (Ogden) at $14.56 pays about $4,368. Difference: $255/year.

Next Steps

Comparing Chili and Churchville comes down to electric bills, lot size, village vs. town—and the kind of life you want. Walking the trails at Black Creek Park or grabbing a coffee on Buffalo Rd in the village—that's the real choice. Questions about listings in either area, or want a CMA for a contingent move? We're here.

See how these local tax resets impact your specific home value. Get your Manual Spring 2026 Audit—a 15-minute Appraiser-Lens deep dive delivered in 24 hours.

• Start your home search
• Explore Rochester neighborhoods — including Chili, Churchville, and North Ogden 14559
• Free home valuation — get a ballpark before you list
• 7-Point Relocation Checklist — for out-of-state movers

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This guide is for informational purposes only. For personalized real estate advice, contact Hallmark Properties at (585) 698-5599 or eric@hallmarkpropertiesny.com.