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Safe to use for now, and it gets more expensive every month you leave it.
The short answer
A crack in the crown is a repair. A crack in the flue tile means the fireplace goes cold tonight.
A cracked chimney means very different things depending on which part cracked. The crown — the slab on top — cracks routinely, and sealing it is a small job. Mortar joints crack and get repointed. Brick faces spall when water has been getting in. All of those are repairs on a timescale. A cracked flue tile is the exception: the liner is what keeps heat and combustion gases away from the framing around the chimney, so a breach there is a safety fault rather than a maintenance one, and it is invisible from the ground.
Which part actually cracked
Crown, mortar, brick face and flue tile crack for different reasons and cost wildly different amounts. The last one is the one you cannot see.
Before we get there
None of this fixes it. All of it stops the problem getting more expensive between now and the visit.
Photograph the crack against something for scale — a coin works. Width matters more than length.
If pieces of clay tile are turning up in the firebox, stop using the fireplace now, not at the end of the season.
Look for a matching crack on the opposite face. Cracks on two sides of a stack point at movement rather than weather.
Sight up a corner of the stack against a downpipe or wall edge to check whether it is out of plumb.
Do not fill anything with sealant yet. A crack that has been filled tells nobody anything about why it opened.
Work out which is yours
Ordered by how often it turns out to be the answer, so you can stop reading once you recognise yours.

The slab on top takes the worst weather of anything on the house, and many were built as a thin mortar skim with no overhang. Once it cracks, every rainfall runs into the masonry below.

Mortar is designed to be the sacrificial part of a wall. Joints that have cracked and opened are doing what they were meant to — the answer is repointing rather than alarm.

Water got into the brick and froze. The face flakes off and the brick behind it is soft. This is water damage presenting as a crack, and sealing over it makes it worse.

The serious one, and the only one you cannot see from outside. Caused by a flue fire, by freeze-thaw where water has got in, or by decades of heat cycling. Stop using the fireplace until it is scanned.

Cracks that step diagonally through several courses, or match on opposite faces, usually mean the stack has moved rather than weathered. That is structural and it does not correct itself.

Crowns poured tight against the flue tile crack radially, because the tile expands with heat and concrete does not. It comes back however often it is patched, unless an expansion joint goes in.
What actually fixes it
Fall Special
Call or book today and we'll do our best to get a pro to you tomorrow.
Anything that needs attention is shown to you and explained in plain words.
If something needs fixing, you get the price in writing first. Saying no costs nothing.
Good to know

Founded by Ryan Carter in 2019. Every page you read here is reviewed by Ethan Miller, our chimney specialist. A written estimate before any work, and the findings in writing whether or not anything needs doing.
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