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City · 9,720 residents · Cumberland County, Pennsylvania

Mechanicsburg , Pennsylvania

In Mechanicsburg, a typical home is worth $241,200 and typical rent is $1,083 a month. Compared with all of Cumberland County, typical rent is 13% lower and the typical home value is 13% lower.

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  • Typical home value

    $241,200

    13% below the county

    5% below Pennsylvania

    • Mechanicsburg
    • Cumberland
    • Pennsylvania

  • Typical rent

    $1,083a month

    13% below the county

    10% below Pennsylvania

    • Mechanicsburg
    • Cumberland
    • Pennsylvania

  • Typical household income

    $84,421a year

    4% below the county

    8% above Pennsylvania

    • Mechanicsburg
    • Cumberland
    • Pennsylvania

  • Households that own their home

    70%

    2 points below the county

    About the same as Pennsylvania

    • Mechanicsburg
    • Cumberland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$398,311
0.8% more than 12 months ago
Typical rent
$1,944 a month
2.7% more than 12 months ago

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

Mechanicsburg 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 Mechanicsburg 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: 49% less than in Mechanicsburg ($241,200).

  2. Mechanicsburg has the 8th smallest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (31%).

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

The homes here

Housing in Mechanicsburg

What homes there are in Mechanicsburg, 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

As in Cumberland County, most homes in Mechanicsburg are detached houses (58%).

Year built

Homes in Mechanicsburg are older: the typical year built is 1959; in Cumberland County, 1978.

Homes in Mechanicsburg are smaller: 63% 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

$1,920 a month

Cumberland County: $1,802 a month

Without a mortgage

$629 a month

Cumberland County: $671 a month

Owners with a mortgage

64%

Cumberland County: 61%

In Mechanicsburg, 64% of owners have a mortgage, and their typical cost is $1,920 a month, against $1,802 in Cumberland County. Without one it drops to $629.

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 Mechanicsburg rose 42%; in Cumberland County, it rose 37%.

Rents in Mechanicsburg rose more slowly than in Cumberland County: 20% since 2015–2019, against 26%.

Here income gained ground: typical income rose 52%, against +42% for home values and +20% for rent.

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

MeasureMechanicsburgCumberland 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 2.162.402.392.53
Drive alone 74%71%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate0%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 19%18%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Mechanicsburg has 2.16 people, fewer than in Cumberland County (2.40).

To get to work, 74% of workers in Mechanicsburg drive alone; in Cumberland County, 71%.

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 Mechanicsburg?

A typical home is tight for the typical income

We start with a typical home in Mechanicsburg, worth $241,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Mechanicsburg, which is $84,421 a year. For that payment to be 28% of income, a household would need to earn about $89,784 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 Mechanicsburg. 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 $8,442 (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

$2,095

at 7.18% · 30 years

Loan amount
$236,831
Total interest
$340,745
Paid off in
November 2056

Includes $4,073 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,970 a month

  • Tight

    $1,970 to $2,533 a month

    Your payment · 30%

  • Hard

    more than $2,533 a month

Compared with the typical household income in Mechanicsburg ($84,421 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,095
Principal & interest$1,604
Property tax$283
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,442 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

Mechanicsburg and Cumberland County

Mechanicsburg 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).

Mechanicsburg's own numbers

Typical home value
$241,200
Typical monthly rent
$1,083
Typical yearly household income
$84,421
Households that own their home
70%
Effective property tax rate
1.41%

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 Mechanicsburg

A typical home in Mechanicsburg is worth $241,200: 13% below the county and 5% below Pennsylvania. With the typical household income in Mechanicsburg ($84,421 a year), a typical home costs 2.9 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.

  • Mechanicsburg 2.9 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

Mechanicsburg 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
  • Mechanicsburg $241,200
  • Cumberland $277,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Mechanicsburg $1,083
  • Cumberland $1,249
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Mechanicsburg $84,421
  • Cumberland $87,494
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Mechanicsburg next to Cumberland County and Pennsylvania
Measure Mechanicsburg Cumberland County Pennsylvania U.S.
Typical home value $241,200 $277,600 $254,500 $332,700
Typical monthly rent $1,083 $1,249 $1,209 $1,413
Typical yearly household income $84,421 $87,494 $77,971 $80,734
Households that own their home 70% 71% 69% 65%
Typical yearly property tax $3,400 $3,254 $3,311 $3,119
Effective property tax rate 1.41% 1.17% 1.3% 0.94%
Renters with high rent for their income 31% 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 Mechanicsburg

For a typical $241,200 home in Mechanicsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mechanicsburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,095a month

    Least cash to close
    Down payment
    $8,442
    Cash to close
    $15,678
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $2,051a month

    Down payment
    $12,060
    Cash to close
    $19,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,691a month

    Down payment
    $48,240
    Cash to close
    $55,476
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,914a month

    Down payment
    $36,180
    Cash to close
    $43,416
    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 Mechanicsburg and for Cumberland County.

Property tax

Effective rate in Mechanicsburg

1.41%of the home’s value each year

$3,400 a year for the typical owner in Mechanicsburg.

  • Mechanicsburg 1.41%
  • 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 Mechanicsburg

Typical rent in Mechanicsburg is $1,083 a month: 13% below the county. In Mechanicsburg, 31% 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 Mechanicsburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mechanicsburg is in ZIP code 17055.

For 2 bedrooms it is $1,790: $192 more than the fair market rent for Cumberland County ($1,598).

  • 17055 $1,790$2,310

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

HUD lists 9 buildings with rents for lower incomes in Mechanicsburg. These are the largest.

  • Bethany Towers 335 Wesley Dr, Mechanicsburg 17055 150 homes, 149 low-income · For older adults (717) 766-7698
  • Geneva Greens Apts 500 Geneva Dr, Mechanicsburg 17055 64 low-income homes · 2 bd: 31 · 3 bd: 33 · In service since 2006 · For families
  • Roth Village 62 Village Ct, Mechanicsburg 17050 61 low-income homes · 2 bd: 53 · 3 bd: 8 · In service since 1998 · For families
  • Silver Spring Gardens 66 Ashburg Dr, Mechanicsburg 17050 59 low-income homes · 1 bd: 47 · 2 bd: 12 · In service since 2004 · For older adults
  • Silver Spring Courtyards 43 Ashburg Dr, Mechanicsburg 17050 55 low-income homes · 1 bd: 42 · 2 bd: 13 · 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 Mechanicsburg

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 pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Mechanicsburg

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Mechanicsburg

The HUD-approved agencies closest to the center of Mechanicsburg, 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 · 7 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 · 7 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 · 8 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 Mechanicsburg

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 Mechanicsburg

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Mechanicsburg

Short answers with the numbers for Mechanicsburg 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 Mechanicsburg?

The typical home value in Mechanicsburg is $241,200, 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 Mechanicsburg?

Typical rent in Mechanicsburg is $1,083 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 Mechanicsburg?

Mechanicsburg 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 Mechanicsburg?

The typical homeowner in Mechanicsburg pays $3,400 a year, according to the U.S. Census Bureau. That is 1.41% of the home’s value; in Cumberland County, the rate is 1.17%.

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

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).