Market Overview
Home Prices in Chambersburg, PA
The median home value in Chambersburg, PA is $293,162 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.2% compared to a year ago and up 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Chambersburg are priced28% below average. Chambersburg is part of the Chambersburg-Waynesboro, PA metro area.
Over the past five years, Chambersburg home values have risen by approximately24.4%, reflecting strong long-term appreciation in this market.
Price History
Chambersburg Home Price Trend
City Comparison
Chambersburg vs. National Median
At $293,162, homes in Chambersburg cost 28% below the national median of $410,000. This makes Chambersburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Chambersburg?
20% Down Payment
$58,632
on $293,162
Monthly P&I
$1,529/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,942/mo
incl. taxes & insurance
Income Needed
$77,680
gross annual (30% rule)
10% Down Option
$29,316
+ PMI applies
Loan Amount (20% dn)
$234,530
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Chambersburg, PA?
The median home value in Chambersburg is $293,162 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.2% year-over-year.
How much have home prices changed in Chambersburg?
Over the past year, home values in Chambersburg have increased by 2.2%. Over five years, prices have risen approximately 24.4%.
How much do I need to earn to buy a home in Chambersburg?
To comfortably afford the median home price of $293,162 with a 20% down payment ($58,632) at today's rates (6.8%), you'd need a gross annual income of approximately $77,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Chambersburg compare to the national average home price?
The national median home value is approximately $410,000. At $293,162, homes in Chambersburg are 28% below the national average.
What metro area is Chambersburg part of?
Chambersburg is part of the Chambersburg-Waynesboro, PA metropolitan area. Home prices and market conditions can vary across the broader metro region.