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City · 8,169 residents · Cumberland County, Pennsylvania

Camp Hill , Pennsylvania

In Camp Hill, a typical home is worth $316,300 and typical rent is $1,287 a month. Compared with all of Cumberland County, typical household income is 32% higher, the typical home value is 14% higher, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $316,300

    14% above the county

    24% above Pennsylvania

    • Camp Hill
    • Cumberland
    • Pennsylvania

  • Typical rent

    $1,287a month

    3% above the county

    6% above Pennsylvania

    • Camp Hill
    • Cumberland
    • Pennsylvania

  • Typical household income

    $115,761a year

    32% above the county

    48% above Pennsylvania

    • Camp Hill
    • Cumberland
    • Pennsylvania

  • Households that own their home

    78%

    7 points above the county

    9 points above Pennsylvania

    • Camp Hill
    • Cumberland
    • Pennsylvania

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$327,162
3.1% more than 12 months ago
Typical rent
$1,521 a month
3.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Camp Hill is in Cumberland County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Camp Hill apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Harrisburg, the typical home value is $124,200: 61% less than in Camp Hill ($316,300).

  2. The typical household income in Camp Hill is $115,761, 32% more than in Cumberland County as a whole ($87,494).

  3. Nearby, in New Cumberland, the typical rent is $980: 24% less than in Camp Hill ($1,287).

  4. 78% of households in Camp Hill own their home, against 71% in Cumberland County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Camp Hill

What homes there are in Camp Hill, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Camp Hill: 76% of homes, more than in Cumberland County (60%).

Year built

In Camp Hill, half of the homes were built before 1953; in Cumberland County, before 1978.

Homes in Camp Hill are bigger: 71% have 3 bedrooms or more; in Cumberland County, 67%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,131 a month

Cumberland County: $1,802 a month

Without a mortgage

$824 a month

Cumberland County: $671 a month

Owners with a mortgage

67%

Cumberland County: 61%

Owning costs more in Camp Hill: with a mortgage, the typical cost is $2,131 a month; in Cumberland County, $1,802. Without one, $824.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Camp Hill rose 49%; in Cumberland County, it rose 37%.

Rents in Camp Hill rose more slowly than in Cumberland County: 17% since 2015–2019, against 26%.

To compare: typical income in Camp Hill rose 33%; the home, +49%; the rent, +17%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCamp HillCumberland CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.2%1.6%3.4%
People per household 2.412.402.392.53
Drive alone 57%71%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate0%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 34%18%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Camp Hill has 2.41 people on average, about the same as in Cumberland County (2.40).

Working from home is more common in Camp Hill: 34%, against 18% in Cumberland County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Camp Hill?

A typical home is tight for the typical income

We start with a typical home in Camp Hill, worth $316,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Camp Hill, which is $115,761 a year. For that payment to be 28% of income, a household would need to earn about $118,191 a year.

The calculator's FHA and conventional loan limits are those of all of Cumberland County.

Your numbers

Local data
$

Starts at the typical home value in Camp Hill. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $11,071 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,758

at 7.18% · 30 years

Loan amount
$310,571
Total interest
$446,838
Paid off in
November 2056

Includes $5,342 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,701 a month

  • Tight

    $2,701 to $3,473 a month

    Your payment · 29%

  • Hard

    more than $3,473 a month

Compared with the typical household income in Camp Hill ($115,761 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,758
Principal & interest$2,104
Property tax$382
Home insurance$132
FHA mortgage insurance (MIP)$140

You need at least $11,071 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Camp Hill and Cumberland County

Camp Hill is in Cumberland County, Pennsylvania. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Camp Hill's own numbers

Typical home value
$316,300
Typical monthly rent
$1,287
Typical yearly household income
$115,761
Households that own their home
78%
Effective property tax rate
1.45%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,598
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
2.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Cumberland County.

Everything about Cumberland County

Buying

Buying a home in Camp Hill

A typical home in Camp Hill is worth $316,300: 14% above the county and 24% above Pennsylvania. With the typical household income in Camp Hill ($115,761 a year), a typical home costs 2.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Camp Hill 2.7 years
  • Cumberland 3.2 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 73% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cumberland County.

Period County Pennsylvania U.S.
Last year (2025) +3.9% +4.7% +2.9%
5 years (2020–2025) +50% +48% +47%
10 years (2015–2025) +73% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Camp Hill next to Cumberland County, Pennsylvania and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Camp Hill $316,300
  • Cumberland $277,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Camp Hill $1,287
  • Cumberland $1,249
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Camp Hill $115,761
  • Cumberland $87,494
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Camp Hill next to Cumberland County and Pennsylvania
Measure Camp Hill Cumberland County Pennsylvania U.S.
Typical home value $316,300 $277,600 $254,500 $332,700
Typical monthly rent $1,287 $1,249 $1,209 $1,413
Typical yearly household income $115,761 $87,494 $77,971 $80,734
Households that own their home 78% 71% 69% 65%
Typical yearly property tax $4,571 $3,254 $3,311 $3,119
Effective property tax rate 1.45% 1.17% 1.3% 0.94%
Renters with high rent for their income 43% 42% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cumberland County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Camp Hill

For a typical $316,300 home in Camp Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camp Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,758a month

    Least cash to close
    Down payment
    $11,071
    Cash to close
    $20,560
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $140

  • Conventional, 5% down $2,700a month

    Down payment
    $15,815
    Cash to close
    $25,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $150

  • Conventional, 20% down, no PMI $2,228a month

    Down payment
    $63,260
    Cash to close
    $72,749
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,521a month

    Down payment
    $47,445
    Cash to close
    $56,934
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Camp Hill and for Cumberland County.

Property tax

Effective rate in Camp Hill

1.45%of the home’s value each year

$4,571 a year for the typical owner in Camp Hill.

  • Camp Hill 1.45%
  • Cumberland 1.17%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Cumberland County

FEMA does not publish these numbers by city: they are for all of Cumberland County.

Homes in the high-risk zone
2.2%
1,735
Of those, with NFIP insurance
21%
County Pennsylvania U.S.
Homes in the high-risk zone 2.2% 2% 3.5%
Of those, with NFIP insurance 21% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Camp Hill

Typical rent in Camp Hill is $1,287 a month: 3% above the county. In Camp Hill, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,598 a month) without spending more than 30% of your income, you would need to earn $30.73 an hour working full time.

HUD fair market rent for all of Cumberland County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,166 $22.42 $46,640
1 bedroom $1,285 $24.71 $51,400
2 bedrooms $1,598 $30.73 $63,920
3 bedrooms $2,055 $39.52 $82,200
4 bedrooms $2,100 $40.38 $84,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Camp Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camp Hill is in ZIP code 17011.

For 2 bedrooms it is $1,710: $112 more than the fair market rent for Cumberland County ($1,598).

  • 17011 $1,710$2,200

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Camp Hill when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Camp Hill

HUD lists 4 buildings with rents for lower incomes in Camp Hill. These are the largest.

  • Susquehanna View 208 Senate Ave, Camp Hill 17011 201 homes, 200 low-income · For older adults
  • Mallard Run 820 Lisburn Rd, Camp Hill 17011 101 homes, 100 low-income · For older adults (717) 761-5414
  • Orchard Apts 2203 Cedar Run Drive Ext, Camp Hill 17011 81 homes, 80 low-income · For families (717) 763-0937
  • Crossroads (THE) 2141 Cedar Run Dr, Camp Hill 17011 19 low-income homes · 2 bd: 14 · 3 bd: 5 · In service since 2013 · For families

See all 34 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Camp Hill

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Cumberland County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Camp Hill

No down payment, repair or rent-help program on our list is for Camp Hill or Cumberland County. The ones below are statewide in Pennsylvania: they work in Camp Hill the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Camp Hill

The HUD-approved agencies closest to the center of Camp Hill, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Pennsylvania Housing Finance Agency

    211 North Front Street, Harrisburg · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (800) 342-2397

  • Tri-County HDC LTD

    201 N Front St, Harrisburg · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 231-3604

  • The Fair Housing Council of the Capital Region, Inc

    2100 N 6th St, Harrisburg · 3 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 238-9540

Every agency in Cumberland County All counseling agencies in Pennsylvania

Help in Spanish near Camp Hill

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Camp Hill

HUD’s record names them for Camp Hill or Cumberland County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the County of Cumberland Public housing and Section 8 vouchers (717) 249-0789

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Cumberland County

These cities are also in Cumberland County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Cumberland County Housing in Pennsylvania

Nearby cities

The cities closest to Camp Hill, with the typical home value.

Neighboring counties

If Cumberland County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Camp Hill.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Camp Hill

Short answers with the numbers for Camp Hill and all of Cumberland County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Camp Hill?

The typical home value in Camp Hill is $316,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $277,600.

How much does it cost to rent in Camp Hill?

Typical rent in Camp Hill is $1,287 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,598.

What is the FHA loan limit in Camp Hill?

Camp Hill uses the FHA limit for all of Cumberland County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Camp Hill?

The typical homeowner in Camp Hill pays $4,571 a year, according to the U.S. Census Bureau. That is 1.45% of the home’s value; in Cumberland County, the rate is 1.17%.

Where can I find free help to buy or rent in Camp Hill?

There is 1 HUD-approved counseling agency with an office in Cumberland County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).