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City · 8,254 residents · Adams County, Pennsylvania

Gettysburg , Pennsylvania

In Gettysburg, a typical home is worth $241,500 and typical rent is $1,001 a month. Compared with all of Adams County, typical household income is 35% lower, typical rent is 10% lower, and the share of households that own their home is 32 points lower.

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  • Typical home value

    $241,500

    10% below the county

    5% below Pennsylvania

    • Gettysburg
    • Adams
    • Pennsylvania

  • Typical rent

    $1,001a month

    10% below the county

    17% below Pennsylvania

    • Gettysburg
    • Adams
    • Pennsylvania

  • Typical household income

    $54,365a year

    35% below the county

    30% below Pennsylvania

    • Gettysburg
    • Adams
    • Pennsylvania

  • Households that own their home

    47%

    32 points below the county

    23 points below Pennsylvania

    • Gettysburg
    • Adams
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$367,532
2.5% more than 12 months ago
Typical rent
$1,432 a month

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

Gettysburg is in Adams 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 Adams County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gettysburg apart

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

  1. 47% of households in Gettysburg own their home, against 79% in Adams County.

  2. The typical household income in Gettysburg is $54,365, 35% less than in Adams County as a whole ($84,092).

  3. Nearby, in Shippensburg, the typical home value is $177,700: 26% less than in Gettysburg ($241,500).

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

The homes here

Housing in Gettysburg

What homes there are in Gettysburg, 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 Gettysburg there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in Adams County, 75%.

Year built

Homes in Gettysburg are older: the typical year built is 1942; in Adams County, 1980.

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

$1,558 a month

Adams County: $1,780 a month

Without a mortgage

$744 a month

Adams County: $674 a month

Owners with a mortgage

69%

Adams County: 62%

Owning costs less in Gettysburg: with a mortgage, the typical cost is $1,558 a month; in Adams County, $1,780. Without one, $744.

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 Gettysburg did not change clearly: the difference is within the Census margin of error.

Rents in Gettysburg rose more slowly than in Adams County: 12% since 2015–2019, against 21%.

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

MeasureGettysburgAdams CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate4.1%4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.0%1.6%3.4%
People per household 2.112.492.392.53
Drive alone 47%76%68%69%
Carpool 7%7%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 34%4%4%3%
Work from home 10%12%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: 2.11 on average, against 2.49 in Adams County.

Many here get to work on foot or by bike: 34%, more than in Adams 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 Gettysburg?

A typical home costs more than the typical income allows

We start with a typical home in Gettysburg, worth $241,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Gettysburg, which is $54,365 a year. For that payment to be 28% of income, a household would need to earn about $92,656 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gettysburg. 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 $8,453 (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

$2,162

at 7.18% · 30 years

Loan amount
$237,125
Total interest
$341,168
Paid off in
November 2056

Includes $4,078 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,269 a month

  • Tight

    $1,269 to $1,631 a month

  • Hard

    more than $1,631 a month

    Your payment · 48%

Compared with the typical household income in Gettysburg ($54,365 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,162
Principal & interest$1,606
Property tax$348
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,453 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

Gettysburg and Adams County

Gettysburg is in Adams 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).

Gettysburg's own numbers

Typical home value
$241,500
Typical monthly rent
$1,001
Typical yearly household income
$54,365
Households that own their home
47%
Effective property tax rate
1.73%

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

Numbers for all of Adams County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,354
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
1.7%

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 Adams County.

Everything about Adams County

Buying

Buying a home in Gettysburg

A typical home in Gettysburg is worth $241,500: 10% below the county and 5% below Pennsylvania. With the typical household income in Gettysburg ($54,365 a year), a typical home costs 4.4 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.

  • Gettysburg 4.4 years
  • Adams 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 Adams County

According to FHFA’s house price index, home prices in Adams County rose 71% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +2.3% +4.7% +2.9%
5 years (2020–2025) +46% +48% +47%
10 years (2015–2025) +71% +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

Gettysburg next to Adams 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
  • Gettysburg $241,500
  • Adams $268,500
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Gettysburg $1,001
  • Adams $1,115
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Gettysburg $54,365
  • Adams $84,092
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Gettysburg next to Adams County and Pennsylvania
Measure Gettysburg Adams County Pennsylvania U.S.
Typical home value $241,500 $268,500 $254,500 $332,700
Typical monthly rent $1,001 $1,115 $1,209 $1,413
Typical yearly household income $54,365 $84,092 $77,971 $80,734
Households that own their home 47% 79% 69% 65%
Typical yearly property tax $4,180 $3,561 $3,311 $3,119
Effective property tax rate 1.73% 1.33% 1.3% 0.94%
Renters with high rent for their income 40% 44% 48% 51%

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

For a typical $241,500 home in Gettysburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gettysburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,162a month

    Least cash to close
    Down payment
    $8,453
    Cash to close
    $15,698
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $2,118a month

    Down payment
    $12,075
    Cash to close
    $19,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,758a month

    Down payment
    $48,300
    Cash to close
    $55,545
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,981a month

    Down payment
    $36,225
    Cash to close
    $43,470
    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 Gettysburg and for Adams County.

Property tax

Effective rate in Gettysburg

1.73%of the home’s value each year

$4,180 a year for the typical owner in Gettysburg.

  • Gettysburg 1.73%
  • Adams 1.33%
  • Pennsylvania 1.3%

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

Exemptions and deadlines in Pennsylvania

Flood risk in Adams County

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

Homes in the high-risk zone
1.7%
683
Of those, with NFIP insurance
25%
County Pennsylvania U.S.
Homes in the high-risk zone 1.7% 2% 3.5%
Of those, with NFIP insurance 25% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gettysburg

Typical rent in Gettysburg is $1,001 a month: 10% below the county. In Gettysburg, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Adams County, by unit size. To pay the 2-bedroom one ($1,354 a month) without spending more than 30% of your income, you would need to earn $26.04 an hour working full time.

HUD fair market rent for all of Adams 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 $1,047 $20.13 $41,880
1 bedroom $1,063 $20.44 $42,520
2 bedrooms $1,354 $26.04 $54,160
3 bedrooms $1,830 $35.19 $73,200
4 bedrooms $1,957 $37.63 $78,280

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 Gettysburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gettysburg is in ZIP code 17325.

For 2 bedrooms it is $1,240: $114 less than the fair market rent for Adams County ($1,354).

  • 17325 $1,240$1,660

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

HUD lists 7 buildings with rents for lower incomes in Gettysburg. These are the largest.

  • Misty Ridge Terrace Twnhms 200 Misty Ridge Rd, Gettysburg 17325 50 low-income homes · 2 bd: 20 · 3 bd: 30 · In service since 2015 · For people with disabilities, families, people experiencing homelessness
  • Villas at Gettysburg 80 Robert Curtis Dr, Gettysburg 17325 50 homes, 49 low-income · 1 bd: 34 · 2 bd: 15 · In service since 2003 · For older adults
  • Misty Ridge Terrace 25 Bridge Valley Rd, Gettysburg 17325 46 low-income homes · 1 bd: 6 · 2 bd: 28 · 3 bd: 12 · In service since 2010 · For people with disabilities, families
  • Cedarfield Apts 40 Madeline Ct, Gettysburg 17325 32 low-income homes · 2 bd: 23 · 3 bd: 9 · In service since 2006 · For families
  • Fahnestock House 47 Baltimore St, Gettysburg 17325 26 low-income homes · Studio: 1 · 1 bd: 25 · In service since 2013 · For older adults, people with disabilities

See all 14 buildings in Adams County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gettysburg

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.

We found no HUD-approved agencies with an office in Adams County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Gettysburg

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Gettysburg

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

  • Pathstone Corporation-Pennsylvania

    450 Cleveland Ave, Chambersburg · 23 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 · 26 miles away

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

  • Community Progress Council, Inc.

    226 E College Ave, York · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (717) 846-4600

All counseling agencies in Pennsylvania

Help in Spanish near Gettysburg

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 Gettysburg

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

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

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

Everything about Adams County Housing in Pennsylvania

Neighboring counties

If Adams 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 Gettysburg.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Gettysburg

Short answers with the numbers for Gettysburg and all of Adams 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 Gettysburg?

The typical home value in Gettysburg is $241,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $268,500.

How much does it cost to rent in Gettysburg?

Typical rent in Gettysburg is $1,001 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $1,354.

What is the FHA loan limit in Gettysburg?

Gettysburg uses the FHA limit for all of Adams 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 Gettysburg?

The typical homeowner in Gettysburg pays $4,180 a year, according to the U.S. Census Bureau. That is 1.73% of the home’s value; in Adams County, the rate is 1.33%.

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

We found no HUD-approved counseling agencies with an office in Adams County; the nearest ones are on this page. 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).