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Chambersburg borough, PA

ZIP 17201 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 17201

Median Home Value
$206,800
Median Rent
$928
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,328/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 17201 in Chambersburg borough, PA, a household would need roughly $57,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,328. That is roughly in line with the local median household income ($59,645). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
48.4%-26% vs US avg
x
Vacancy Rate
4.5%-57% vs US avg
x
Broadband Access
87.2%+0% vs US avg
x
4+ Bedrooms
2.9%-81% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
39.7%+4% vs US avg
x
$206,800
Home Value
$928
Rent
1971
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached43.1%
  • 1-unit attached26.5%
  • 2-9 units17.9%
  • 10+ units10.3%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$206,800
Median rent$928
Owner-occupied48.4%
Vacant4.5%
Price-to-income3.5x
Est. income to buy$57,000