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City · 5,402 residents · Cumberland County, Pennsylvania

Schlusser , Pennsylvania

In Schlusser, a typical home is worth $241,000 and typical rent is $975 a month. Compared with all of Cumberland County, typical rent is 22% lower, the typical home value is 13% lower, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $241,000

    13% below the county

    5% below Pennsylvania

    • Schlusser
    • Cumberland
    • Pennsylvania

  • Typical rent

    $975a month

    22% below the county

    19% below Pennsylvania

    • Schlusser
    • Cumberland
    • Pennsylvania

  • Typical household income

    $92,234a year

    5% above the county

    18% above Pennsylvania

    • Schlusser
    • Cumberland
    • Pennsylvania

  • Households that own their home

    82%

    10 points above the county

    13 points above Pennsylvania

    • Schlusser
    • Cumberland
    • Pennsylvania

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

Schlusser 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 Schlusser apart

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

  1. Nearby, in Enola, the typical home value is $171,700: 29% less than in Schlusser ($241,000).

  2. The typical rent in Schlusser is $975 a month, 22% less than in Cumberland County as a whole ($1,249).

  3. 82% of households in Schlusser own their home, against 71% in Cumberland County.

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

The homes here

Housing in Schlusser

What homes there are in Schlusser, 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 Schlusser, 7 in 10 homes are single-family detached houses; in Cumberland County, 6.

There are more mobile homes here than in Cumberland County: 8% of homes, against 5%.

Year built

The typical year built in Schlusser is 1979, about the same as in Cumberland County (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
Monthly rent with utilities

With a mortgage

$1,675 a month

Cumberland County: $1,802 a month

Without a mortgage

$580 a month

Cumberland County: $671 a month

Owners with a mortgage

61%

Cumberland County: 61%

Owning costs less in Schlusser: with a mortgage, the typical cost is $1,675 a month; in Cumberland County, $1,802. Without one, $580.

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

Schlusser does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Cumberland County the typical home value rose 37%.

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

MeasureSchlusserCumberland 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 2.372.402.392.53
Drive alone 87%71%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate0%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 6%18%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Cumberland County, a household in Schlusser has 2.37 people on average.

To get to work, 87% of workers in Schlusser 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 Schlusser?

A typical home is within reach of the typical income

We start with a typical home in Schlusser, worth $241,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Schlusser, which is $92,234 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 Schlusser. 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 $8,435 (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
$236,635
Total interest
$340,462
Paid off in
November 2056

Includes $4,070 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,152 a month

    Your payment · 27%

  • Tight

    $2,152 to $2,767 a month

  • Hard

    more than $2,767 a month

Compared with the typical household income in Schlusser ($92,234 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$1,603
Property tax$285
Home insurance$100
FHA mortgage insurance (MIP)$107

You need at least $8,435 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

Schlusser and Cumberland County

Schlusser 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).

Schlusser's own numbers

Typical home value
$241,000
Typical monthly rent
$975
Typical yearly household income
$92,234
Households that own their home
82%
Effective property tax rate
1.42%

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 Schlusser

A typical home in Schlusser is worth $241,000: 13% below the county and 5% below Pennsylvania. With the typical household income in Schlusser ($92,234 a year), a typical home costs 2.6 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.

  • Schlusser 2.6 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

Schlusser 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
  • Schlusser $241,000
  • Cumberland $277,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Schlusser $975
  • Cumberland $1,249
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Schlusser $92,234
  • Cumberland $87,494
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Schlusser next to Cumberland County and Pennsylvania
Measure Schlusser Cumberland County Pennsylvania U.S.
Typical home value $241,000 $277,600 $254,500 $332,700
Typical monthly rent $975 $1,249 $1,209 $1,413
Typical yearly household income $92,234 $87,494 $77,971 $80,734
Households that own their home 82% 71% 69% 65%
Typical yearly property tax $3,426 $3,254 $3,311 $3,119
Effective property tax rate 1.42% 1.17% 1.3% 0.94%

“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 Schlusser

For a typical $241,000 home in Schlusser, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Schlusser'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
    $8,435
    Cash to close
    $15,665
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

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

    Down payment
    $12,050
    Cash to close
    $19,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,692a month

    Down payment
    $48,200
    Cash to close
    $55,430
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,915a month

    Down payment
    $36,150
    Cash to close
    $43,380
    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 Schlusser and for Cumberland County.

Property tax

Effective rate in Schlusser

1.42%of the home’s value each year

$3,426 a year for the typical owner in Schlusser.

  • Schlusser 1.42%
  • 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 Schlusser

Typical rent in Schlusser is $975 a month: 22% below the county.

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 Schlusser

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Schlusser 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 Schlusser 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?

Free help

Help to buy or rent in Schlusser

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Schlusser

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Schlusser

The HUD-approved agencies closest to the center of Schlusser, 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 · 3 miles away

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

  • The Fair Housing Council of the Capital Region, Inc

    2100 N 6th St, Harrisburg · 16 miles away

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

  • Pennsylvania Housing Finance Agency

    211 North Front Street, Harrisburg · 16 miles away · Spanish

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

Every agency in Cumberland County All counseling agencies in Pennsylvania

Help in Spanish near Schlusser

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 Schlusser

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

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Schlusser

Short answers with the numbers for Schlusser 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 Schlusser?

The typical home value in Schlusser is $241,000, 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 Schlusser?

Typical rent in Schlusser is $975 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 Schlusser?

Schlusser 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 Schlusser?

The typical homeowner in Schlusser pays $3,426 a year, according to the U.S. Census Bureau. That is 1.42% of the home’s value; in Cumberland County, the rate is 1.17%.

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

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).