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City · 21,852 residents · Cumberland County, Pennsylvania

Carlisle , Pennsylvania

In Carlisle, a typical home is worth $224,100 and typical rent is $1,094 a month. Compared with all of Cumberland County, typical household income is 29% lower, the typical home value is 19% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $224,100

    19% below the county

    12% below Pennsylvania

    • Carlisle
    • Cumberland
    • Pennsylvania

  • Typical rent

    $1,094a month

    12% below the county

    10% below Pennsylvania

    • Carlisle
    • Cumberland
    • Pennsylvania

  • Typical household income

    $61,720a year

    29% below the county

    21% below Pennsylvania

    • Carlisle
    • Cumberland
    • Pennsylvania

  • Households that own their home

    49%

    23 points below the county

    21 points below Pennsylvania

    • Carlisle
    • Cumberland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$326,243
3.1% more than 12 months ago
Typical rent
$1,391 a month
2.5% more than 12 months ago

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

Carlisle 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 Carlisle apart

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

  1. 49% of households in Carlisle own their home, against 71% in Cumberland County.

  2. The typical household income in Carlisle is $61,720, 29% less than in Cumberland County as a whole ($87,494).

  3. Nearby, in Enola, the typical home value is $171,700: 23% less than in Carlisle ($224,100).

  4. The typical home in Carlisle is worth $224,100, 19% less than in Cumberland County as a whole ($277,600).

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

The homes here

Housing in Carlisle

What homes there are in Carlisle, 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

In Carlisle there is a bit of everything: no kind of home reaches half. The most common are detached houses (36%); in Cumberland County, 60%.

Year built

There are fewer big homes in Carlisle than in Cumberland County: 49% have 3 bedrooms or more, against 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

By rent, most homes in Carlisle cost less than HUD's 2-bedroom fair market rent ($1,598): about 78%.

With a mortgage

$1,551 a month

Cumberland County: $1,802 a month

Without a mortgage

$722 a month

Cumberland County: $671 a month

Owners with a mortgage

62%

Cumberland County: 61%

In Carlisle, 62% of owners have a mortgage, and their typical cost is $1,551 a month, against $1,802 in Cumberland County. Without one it drops to $722.

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

Homes in Carlisle gained value more slowly than in Cumberland County: 19% since 2015–2019, against 37%.

Since 2015–2019, the typical rent in Carlisle rose 30%, more than in Cumberland County (26%).

To compare: typical income in Carlisle rose 27%; the home, +19%; the rent, +30%.

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

MeasureCarlisleCumberland 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 2.042.402.392.53
Drive alone 68%71%68%69%
Carpool 4%6%8%9%
Public transit Unreliable estimate0%4%3%
Walk or bike 15%4%4%3%
Work from home 10%18%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.04 on average, against 2.40 in Cumberland County.

In Carlisle, 15% of workers walk or bike to work; in Cumberland County, 4%.

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 Carlisle?

A typical home costs more than the typical income allows

We start with a typical home in Carlisle, worth $224,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Carlisle, which is $61,720 a year. For that payment to be 28% of income, a household would need to earn about $84,460 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 Carlisle. 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 $7,844 (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

$1,971

at 7.18% · 30 years

Loan amount
$220,040
Total interest
$316,587
Paid off in
November 2056

Includes $3,784 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,440 a month

  • Tight

    $1,440 to $1,852 a month

  • Hard

    more than $1,852 a month

    Your payment · 38%

Compared with the typical household income in Carlisle ($61,720 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,971
Principal & interest$1,491
Property tax$288
Home insurance$93
FHA mortgage insurance (MIP)$99

You need at least $7,844 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

Carlisle and Cumberland County

Carlisle 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).

Carlisle's own numbers

Typical home value
$224,100
Typical monthly rent
$1,094
Typical yearly household income
$61,720
Households that own their home
49%
Effective property tax rate
1.54%

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 Carlisle

A typical home in Carlisle is worth $224,100: 19% below the county and 12% below Pennsylvania. With the typical household income in Carlisle ($61,720 a year), a typical home costs 3.6 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.

  • Carlisle 3.6 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

Carlisle 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
  • Carlisle $224,100
  • Cumberland $277,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Carlisle $1,094
  • Cumberland $1,249
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Carlisle $61,720
  • Cumberland $87,494
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Carlisle next to Cumberland County and Pennsylvania
Measure Carlisle Cumberland County Pennsylvania U.S.
Typical home value $224,100 $277,600 $254,500 $332,700
Typical monthly rent $1,094 $1,249 $1,209 $1,413
Typical yearly household income $61,720 $87,494 $77,971 $80,734
Households that own their home 49% 71% 69% 65%
Typical yearly property tax $3,444 $3,254 $3,311 $3,119
Effective property tax rate 1.54% 1.17% 1.3% 0.94%
Renters with high rent for their income 54% 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 Carlisle

For a typical $224,100 home in Carlisle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carlisle's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,971a month

    Least cash to close
    Down payment
    $7,844
    Cash to close
    $14,567
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $99

  • Conventional, 5% down $1,930a month

    Down payment
    $11,205
    Cash to close
    $17,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,595a month

    Down payment
    $44,820
    Cash to close
    $51,543
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,803a month

    Down payment
    $33,615
    Cash to close
    $40,338
    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 Carlisle and for Cumberland County.

Property tax

Effective rate in Carlisle

1.54%of the home’s value each year

$3,444 a year for the typical owner in Carlisle.

  • Carlisle 1.54%
  • 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 Carlisle

Typical rent in Carlisle is $1,094 a month: 12% below the county. In Carlisle, 54% 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 Carlisle

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carlisle is in ZIP code 17013.

For 2 bedrooms it is $1,470: $128 less than the fair market rent for Cumberland County ($1,598).

  • 17013 $1,470$1,890

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carlisle 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 Carlisle

HUD lists 12 buildings with rents for lower incomes in Carlisle. These are the largest.

  • Carlisle Family Apts 2 W Penn St, Carlisle 17013 209 homes, 208 low-income · Run by Housing Authority of the County of Cumberland · Average payment: $545 a month · Average wait: 20 months · Homes at several sites (717) 249-0789
  • One West Penn 1 W Penn St, Carlisle 17013 131 homes, 130 low-income · For older adults (717) 249-7797
  • Dawn Ridge 79 Dawn Ridge Loop, Carlisle 17013 58 low-income homes · 2 bd: 33 · 3 bd: 21 · 4 bd: 4 · In service since 2015 · For families
  • Townhomes @ Factory SQ (THE) 238 C St, Carlisle 17013 52 low-income homes · 2 bd: 18 · 3 bd: 34 · In service since 2018 · For people with disabilities, families
  • East Gate Apts 35 Eastgate Dr, Carlisle 17015 40 low-income homes · 1 bd: 40 · In service since 2001 · For older adults

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

Free help

Help to buy or rent in Carlisle

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Carlisle

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Carlisle

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

  • Cumberland County Housing and Redevelopment Authorities

    114 N Hanover St, Carlisle · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (717) 249-0789

  • Pennsylvania Housing Finance Agency

    211 North Front Street, Harrisburg · 17 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 · 17 miles away

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

Every agency in Cumberland County All counseling agencies in Pennsylvania

Help in Spanish near Carlisle

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 Carlisle

HUD’s record names them for Carlisle 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 Carlisle, 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 Carlisle.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Carlisle

Short answers with the numbers for Carlisle 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 Carlisle?

The typical home value in Carlisle is $224,100, 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 Carlisle?

Typical rent in Carlisle is $1,094 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 Carlisle?

Carlisle 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 Carlisle?

The typical homeowner in Carlisle pays $3,444 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Cumberland County, the rate is 1.17%.

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

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).