Average Rent in Chambersburg, PA↓ Rents falling 3.9% YoY
HUD FY2027 · Official government data · Updated annually · Metro pop. 156,626
Market Overview
Chambersburg, PA has rental prices ranging from $923/month to $1,900/month in 2027, depending on unit size. The typical 1-bedroom apartment rents for $1,071/month — 23% below the national average of $1,400/month. With a median household income of $74,946/year, spending $1,071/month on a 1-bedroom represents 17% of gross income — within the recommended 30% threshold.
How Chambersburg Compares
With an average 2-bedroom rent of $1,325/month, Chambersburg ranks #16 most expensive of the 57 cities tracked in Pennsylvania — pricier than 83% of all US cities in our data.
The Chambersburg Rental Market
The Chambersburg, PA area has a population of about 156,626 and 27% of households renting rather than owning. That renter share runs below the US average of ~34%, a more homeowner-heavy market where rental inventory can be limited.
Rent Trends
2-bedroom rents in Chambersburg, PA have fallen by $54/month (3.9%) over the past year, from $1,379 to $1,325. This slight decline is consistent with broader market corrections seen across US rental markets.
Affordability
To afford a 1-bedroom apartment in Chambersburg, PA without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $42,840. The local median household income of $74,946 exceeds that threshold by $32,106, making Chambersburg relatively accessible compared to local wages.
Rent vs. Buy
The median home value in Chambersburg, PA is $288,177, giving a price-to-rent ratio of 18.1. With a break-even horizon of approximately 18 years, renting is likely the more financially prudent option for most residents unless they plan to stay long-term.
Fair Market Rents
HUD FY2027Is Chambersburg, PA Affordable?
Income needed to rent or buy, price history, and how this city compares to nearby metros.
Affordability Index(30% income rule)
Nearby Cities in PAlargest metros in the state
| City | Studio | 1BR | 2BR | 3BR | Home Value |
|---|---|---|---|---|---|
| Pike County | $1,270 | $1,279 | $1,657 | $2,152 | — |
| Pittsburgh | $1,075 | $1,146 | $1,389 | $1,773 | — |
| Allentown | $1,302 | $1,519 | $1,839 | $2,306 | — |
| Harrisburg | $1,166 | $1,285 | $1,598 | $2,055 | — |
| Scranton | $949 | $1,106 | $1,363 | $1,786 | — |
| Lancaster | $1,152 | $1,256 | $1,553 | $1,978 | — |
Rent or Buy in Chambersburg?
Break-even analysis and mortgage estimates based on local market data.
Should I Rent or Buy?
Break-even analysis using real Chambersburg data
Buying breaks even after 1 year — worth it if you stay 1+ years.
Mortgage Calculator
Estimate monthly payment for $288,177 home at 7% rate
Living in Chambersburg
Cost of living, job market, crime rates, and moving cost estimates.
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Frequently Asked Questions
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⚖️Rent vs Buy in ChambersburgIs it cheaper to rent or buy here?
💵Rent Affordability in ChambersburgSalary needed to afford rent here
🗺️All Cities in PASee how Chambersburg ranks statewide
⚖️Compare ChambersburgSide-by-side rent & cost of living with any city
📋PA Tenant RightsDeposit limits, eviction laws & renters protections