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City · 22,319 residents · Franklin County, Pennsylvania

Chambersburg , Pennsylvania

In Chambersburg, a typical home is worth $215,000 and typical rent is $1,099 a month. Compared with all of Franklin County, typical household income is 27% lower, the typical home value is 14% lower, and the share of households that own their home is 31 points lower.

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  • Typical home value

    $215,000

    14% below the county

    16% below Pennsylvania

    • Chambersburg
    • Franklin
    • Pennsylvania

  • Typical rent

    $1,099a month

    About the same as the county

    9% below Pennsylvania

    • Chambersburg
    • Franklin
    • Pennsylvania

  • Typical household income

    $56,576a year

    27% below the county

    27% below Pennsylvania

    • Chambersburg
    • Franklin
    • Pennsylvania

  • Households that own their home

    43%

    31 points below the county

    27 points below Pennsylvania

    • Chambersburg
    • Franklin
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$288,177
1.1% more than 12 months ago
Typical rent
$1,287 a month
3% more than 12 months ago

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

Chambersburg is in Franklin 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 Franklin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chambersburg apart

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

  1. 43% of households in Chambersburg own their home, against 74% in Franklin County.

  2. The typical household income in Chambersburg is $56,576, 27% less than in Franklin County as a whole ($77,003).

  3. Nearby, in Shippensburg, the typical rent is $891: 19% less than in Chambersburg ($1,099).

  4. Nearby, in Shippensburg, the typical home value is $177,700: 17% less than in Chambersburg ($215,000).

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

The homes here

Housing in Chambersburg

What homes there are in Chambersburg, 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 Chambersburg there is a bit of everything: no kind of home reaches half. The most common are detached houses (39%); in Franklin County, 69%.

Year built

In Chambersburg, half of the homes were built before 1963; in Franklin County, before 1978.

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

At least 97% of owner-occupied homes in Chambersburg are worth less than $500,000, below the FHA loan limit for Franklin County ($541,287).

Monthly rent with utilities

With a mortgage

$1,382 a month

Franklin County: $1,662 a month

Without a mortgage

$464 a month

Franklin County: $577 a month

Owners with a mortgage

62%

Franklin County: 61%

In Chambersburg, 62% of owners have a mortgage, and their typical cost is $1,382 a month, against $1,662 in Franklin County. Without one it drops to $464.

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

The typical home value in Chambersburg rose 39% since 2015–2019, about the same as in Franklin County (39%).

Since 2015–2019, the typical rent in Chambersburg rose 34%, more than in Franklin County (24%).

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

MeasureChambersburgFranklin CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.1%4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.192.452.392.53
Drive alone 77%78%68%69%
Carpool 6%8%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 5%3%4%3%
Work from home 10%10%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.19 on average, against 2.45 in Franklin County.

In Chambersburg, 77% of workers drive alone to work; in Franklin County, 78%.

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 Chambersburg?

A typical home costs more than the typical income allows

We start with a typical home in Chambersburg, worth $215,000, 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 Chambersburg, which is $56,576 a year. For that payment to be 28% of income, a household would need to earn about $77,344 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Chambersburg. 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 $7,525 (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

$1,805

at 7.18% · 30 years

Loan amount
$211,106
Total interest
$303,732
Paid off in
November 2056

Includes $3,631 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,320 a month

  • Tight

    $1,320 to $1,697 a month

  • Hard

    more than $1,697 a month

    Your payment · 38%

Compared with the typical household income in Chambersburg ($56,576 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,805
Principal & interest$1,430
Property tax$190
Home insurance$90
FHA mortgage insurance (MIP)$95

You need at least $7,525 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

Chambersburg and Franklin County

Chambersburg is in Franklin 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).

Chambersburg's own numbers

Typical home value
$215,000
Typical monthly rent
$1,099
Typical yearly household income
$56,576
Households that own their home
43%
Effective property tax rate
1.06%

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

Numbers for all of Franklin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,325
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
1.3%

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 Franklin County.

Everything about Franklin County

Buying

Buying a home in Chambersburg

A typical home in Chambersburg is worth $215,000: 14% below the county and 16% below Pennsylvania. With the typical household income in Chambersburg ($56,576 a year), a typical home costs 3.8 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.

  • Chambersburg 3.8 years
  • Franklin 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 Franklin County

According to FHFA’s house price index, home prices in Franklin County rose 69% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +4.0% +4.7% +2.9%
5 years (2020–2025) +50% +48% +47%
10 years (2015–2025) +69% +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

Chambersburg next to Franklin 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
  • Chambersburg $215,000
  • Franklin $249,800
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Chambersburg $1,099
  • Franklin $1,093
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Chambersburg $56,576
  • Franklin $77,003
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Chambersburg next to Franklin County and Pennsylvania
Measure Chambersburg Franklin County Pennsylvania U.S.
Typical home value $215,000 $249,800 $254,500 $332,700
Typical monthly rent $1,099 $1,093 $1,209 $1,413
Typical yearly household income $56,576 $77,003 $77,971 $80,734
Households that own their home 43% 74% 69% 65%
Typical yearly property tax $2,280 $2,740 $3,311 $3,119
Effective property tax rate 1.06% 1.1% 1.3% 0.94%
Renters with high rent for their income 45% 41% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin 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 Chambersburg

For a typical $215,000 home in Chambersburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chambersburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,805a month

    Least cash to close
    Down payment
    $7,525
    Cash to close
    $13,975
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $95

  • Conventional, 5% down $1,765a month

    Down payment
    $10,750
    Cash to close
    $17,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $102

  • Conventional, 20% down, no PMI $1,445a month

    Down payment
    $43,000
    Cash to close
    $49,450
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,643a month

    Down payment
    $32,250
    Cash to close
    $38,700
    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 Chambersburg and for Franklin County.

Property tax

Effective rate in Chambersburg

1.06%of the home’s value each year

$2,280 a year for the typical owner in Chambersburg.

  • Chambersburg 1.06%
  • Franklin 1.1%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Franklin County

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

Homes in the high-risk zone
1.3%
777
Of those, with NFIP insurance
20%
County Pennsylvania U.S.
Homes in the high-risk zone 1.3% 2% 3.5%
Of those, with NFIP insurance 20% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chambersburg

Typical rent in Chambersburg is $1,099 a month: about the same as the county. In Chambersburg, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,325 a month) without spending more than 30% of your income, you would need to earn $25.48 an hour working full time.

HUD fair market rent for all of Franklin 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 $923 $17.75 $36,920
1 bedroom $1,071 $20.60 $42,840
2 bedrooms $1,325 $25.48 $53,000
3 bedrooms $1,770 $34.04 $70,800
4 bedrooms $1,900 $36.54 $76,000

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 Chambersburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chambersburg is in ZIP code 17201.

For 2 bedrooms it is $1,480: $155 more than the fair market rent for Franklin County ($1,325).

  • 17201 $1,480$1,980

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

HUD lists 13 buildings with rents for lower incomes in Chambersburg. These are the largest.

  • Amp2 202 W Catherine St, Chambersburg 17201 146 low-income homes · Run by Housing Authority of the County of Franklin · Average payment: $474 a month · Average wait: 10 months (717) 860-7795
  • Amp1 201 Butternut Ln, Chambersburg 17201 100 homes, 99 low-income · Run by Housing Authority of the County of Franklin · Average payment: $348 a month · Average wait: 20 months (717) 860-7795
  • United Towers 200 N Main St, Chambersburg 17201 104 homes, 96 low-income · 1 bd: 88 · 2 bd: 16 · In service since 2006 · For older adults (717) 263-0119
  • Barclay Village 604 Heintzelman Ave, Chambersburg 17201 86 low-income homes · For families (717) 263-5025
  • Washington Square Town Homes 61 W Liberty St, Chambersburg 17201 54 low-income homes · 2 bd: 33 · 3 bd: 21 · In service since 2017 · For people with disabilities, families

See all 25 buildings in Franklin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Chambersburg

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 Franklin County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Chambersburg

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Chambersburg

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

  • Pathstone Corporation-Pennsylvania

    450 Cleveland Ave, Chambersburg · 0 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (717) 264-5913

  • Cumberland County Housing and Redevelopment Authorities

    114 N Hanover St, Carlisle · 31 miles away

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

  • Pennsylvania Housing Finance Agency

    211 North Front Street, Harrisburg · 47 miles away · Spanish

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

Every agency in Franklin County All counseling agencies in Pennsylvania

Help in Spanish near Chambersburg

2 of the 3 agencies on this list say they serve 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 Chambersburg

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

  • Housing Authority of the County of Franklin Public housing and Section 8 vouchers (717) 860-7795

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Franklin County

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

Everything about Franklin County Housing in Pennsylvania

Nearby cities

The cities closest to Chambersburg, with the typical home value.

Neighboring counties

If Franklin 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 Chambersburg.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Chambersburg

Short answers with the numbers for Chambersburg and all of Franklin 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 Chambersburg?

The typical home value in Chambersburg is $215,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $249,800.

How much does it cost to rent in Chambersburg?

Typical rent in Chambersburg is $1,099 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,325.

What is the FHA loan limit in Chambersburg?

Chambersburg uses the FHA limit for all of Franklin 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 Chambersburg?

The typical homeowner in Chambersburg pays $2,280 a year, according to the U.S. Census Bureau. That is 1.06% of the home’s value; in Franklin County, the rate is 1.1%.

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

There is 1 HUD-approved counseling agency with an office in Franklin County. 1 says it serves in Spanish. 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).