Chambersburg, PA—17222
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Chambersburg, PA
As of Oct '25, the median home price in Chambersburg, PA is $275,000, with a year-over-year change of 3.7%. This indicates that home prices in Chambersburg, PA are increasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $275,000 | 3.7% |
| Single Family | $275,000 | 3.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $226,000 | 3.7% |
3 Bed | $294,000 | 3.5% |
4 Bed | $363,000 | 3.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Chambersburg, PA
As of July '25, Rentcast reports the average rent in Chambersburg, PA is $1,500, with a year-over-year rent change of 3.4%. Per bedroom, the median rent as of July '25 in Chambersburg, PA is 2-bedrooms: $1,500, 3-bedrooms: $1,490. The most common rental property sizes in Chambersburg, PA are 2-bedroom and 3-bedroom, accounting for 56.8% and 21.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,500 | $1,500 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,500 | $1,500 |
| 3 Bed Rent | $1,450 | $1,490 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Chambersburg, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Chambersburg, PA is 53. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $359,000 | 15.0% |
Listing Count | 48 | 22.0% |
| Listings as % of Homes | 0.5% | 22.0% |
Days on Market | 53 | -4.0% |
Demographics — Chambersburg, PA
As of the latest ACS Survey released in 2023, Chambersburg, PA has a population of 10,300, which has decreased by -11.6% over the past 5 years. Chambersburg, PA is a moderately popular place for families, as children make up 17.2% of the population. The area has a moderately educated workforce, with 25.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 10,300 | -11.6% |
% Under 18 | 17.2% | -13.1% |
% Seniors | 30.0% | 7.9% |
% WFH | 6.0% | 215.8% |
% w/ College Degree | 25.7% | 0.8% |
As of the latest ACS Survey released in 2023, Chambersburg, PA is a predominantly white area, with 86.3% of the population identifying as white. The white population has shrunk by 3.7% in the last 5 years. The second most common race or ethnicity in Chambersburg, PA is hispanic, making up 7.2% of the population. Foreign-born residents account for 2.5% of the population in Chambersburg, PA, and this percentage has decreased by 26.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.3% | -3.7% |
% Black | 2.9% | 314.3% |
% Hispanic | 7.2% | 9.1% |
% Asian | 0.4% | -55.6% |
% Foreign Born | 2.5% | -26.5% |
Mortgage and Risk — Chambersburg, PA
According to HUD data as of 2023, there were 214 mortgage originations in Chambersburg, PA, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Chambersburg, PA. Investor activity is low, as 1.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 214 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Chambersburg, PA
Chambersburg, PA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 1.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,020 |
| 2 Bedroom | -$260 | $1,500 | $1,240 |
| 3 Bedroom | $210 | $1,450 | $1,660 |
| 4 Bedroom | N/A | N/A | $1,870 |
Affordability — Chambersburg, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $275,000 |
| Median Household Income | $77,600 |