Chambersburg, PA

Very Low · 71

Pennsylvania · Population 22,051 · Updated March 2026

$1,088
Median Rent / Month
$56,177
Median Income
$196,200
Median Home Value
$1,076
Owner Costs / Month

Affordability

How far your income goes in Chambersburg

23.2%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Pennsylvania

State-level tax rates that affect your costs

3.07%
Income Tax (Top Rate)
6.0%
Sales Tax
1.49%
Property Tax Rate

Estimated Annual Costs

$13,056
Annual Rent
$1,725
State Income Tax
$2,923
Property Tax (est.)

Cost of Living Overview

Chambersburg is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 71 (where 100 equals the national median), Chambersburg residents can expect to pay median rent of $1,088/month while earning a median household income of $56,177/year.

The median home value in Chambersburg, PA is $196,200, with typical monthly owner costs around $1,076 including mortgage, insurance, and taxes. The median rent-to-income ratio of 23.2% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Pennsylvania has a moderate income tax rate of 3.07%. Combined with a 6.0% sales tax rate and 1.49% effective property tax rate, the overall tax environment is a factor in the total cost of living in Chambersburg.

Frequently Asked Questions

Common questions about living costs in Chambersburg

What is the cost of living in Chambersburg, PA?
The cost of living index in Chambersburg, PA is 71 (US average = 100). Median monthly rent is $1,088, median household income is $56,177/year, and the median home value is $196,200.
Is Chambersburg, PA affordable?
Yes, Chambersburg is more affordable than the national average with a cost index of 71. The rent-to-income ratio is 23.2%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Chambersburg, PA?
The median gross rent in Chambersburg, PA is $1,088 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $13,056.
What is the median household income in Chambersburg?
The median household income in Chambersburg, PA is $56,177 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Pennsylvania?
Pennsylvania has a top income tax rate of 3.07%, a sales tax of 6.0%, and an effective property tax rate of 1.49%.