Chambersburg, PA home prices
Typical home $289,565 · +1.6% in a year · income needed $84,300
The Chambersburg, PA metro area ranks 341 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.6% in a year and +21.5% over five years. With 20% down at 7.11%, the typical home costs about $1,968 a month including 1.1% property tax (Franklin County rate).
Mortgage on the typical Chambersburg home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,913 | $231,652 | $1,558 | $0 | $409 | $1,968 | $84,300 |
| 10% down | $28,957 | $260,609 | $1,753 | $109 | $409 | $2,271 | $97,300 |
| 5% down | $14,478 | $275,087 | $1,851 | $115 | $409 | $2,375 | $101,800 |
| 3.5% down (FHA) | $10,135 | $284,320 | $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.
Counties in the Chambersburg area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Franklin County, PA | $289,562 | +1.6% | 1.1% |
What can you afford in Pennsylvania on your salary? · Pennsylvania home prices · Salaries in Pennsylvania
Frequently asked questions
How much is a house in Chambersburg?
The typical home in the Chambersburg, PA metro area is worth $289,565 (Zillow, September 2026).
What salary do you need to buy a house in Chambersburg?
About $84,300 a year for the typical home with 20% down at 7.11%.