Franklin County, Pennsylvania home prices
Typical home $289,562 · +1.6% in a year · property tax 1.1%
The typical home in Franklin County is worth $289,562, about the same as the Pennsylvania typical home ($287,078). Values changed +1.6% in the past year and +21.5% over five years. Homeowners here pay a median 1.1% of their home's value in property tax each year ($3,176 on the typical home), versus 1.12% statewide.
Mortgage on the typical Franklin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,912 | $231,649 | $1,558 | $0 | $409 | $1,968 | $84,300 |
| 10% down | $28,956 | $260,605 | $1,753 | $109 | $409 | $2,271 | $97,300 |
| 5% down | $14,478 | $275,084 | $1,851 | $115 | $409 | $2,375 | $101,800 |
| 3.5% down (FHA) | $10,135 | $284,317 | $1,913 | $128 | $409 | $2,450 | $105,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.1% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Pennsylvania · part of the Chambersburg metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Perry County | $292,119 | +4.1% | 1.21% |
| Union County | $295,020 | +4.9% | 1.14% |
| Dauphin County | $277,230 | +2.8% | 1.35% |
| Montour County | $276,877 | +4.3% | 1.01% |
| Pike County | $305,224 | +3.5% | 1.3% |
| Wayne County | $307,695 | +3.6% | 1.26% |
| York County | $309,136 | +3.4% | 1.61% |
| Berks County | $310,918 | +3.5% | 1.65% |
| Monroe County | $310,974 | +1.7% | 1.66% |
| Carbon County | $265,940 | +0.6% | 1.46% |
Frequently asked questions
What is the average home price in Franklin County, PA?
The typical home value in Franklin County is $289,562 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Franklin County?
About $84,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Franklin County?
The median effective rate is 1.1% of home value a year (Census ACS 2024 5-year estimates).