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Chambersburg, PA Utility & Living Guide

Chambersburg is a borough in and the county seat of Franklin County, in the South Central region of Pennsylvania, United States. It is in the Cumberland Valley, which is part of the Great Appalachian Valley, and 13 miles (21 km) north of Maryland and the Mason-Dixon line and 52 miles (84 km) southwe

Last updated: June 25, 2026

Total Utilities$305/mo

1BR Rent$1200/mo

Sales Tax7.5%

COL Index105 (+5% above national average)

Family Score6/10

Median Home$320,000

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🌤️ Live Weather — Chambersburg

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⚠️ Natural Hazard History — Chambersburg

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💰 Budget Calculator

🔌 Utilities

🏠 Housing

📊 Cost of Living

💰 Taxes

👨‍👩‍👧 Families

🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

FirstEnergy

🔥 Gas

$50/mo

UGI Utilities

💧 Water

$45/mo

Chambersburg Borough Water Department

🗑️ Garbage

$25/mo

Republic Services

📶 Internet

$65/mo

Combined Average Overhead$305/month

Housing Market

Rent & Property
1 Bedroom	$1200/mo
2 Bedrooms	$1600/mo
3 Bedrooms	$2100/mo
Median Home Price	$320,000
Property Tax Rate	1.2%
Avg Childcare/mo	$1000

The housing market in Chambersburg is competitive, with steady demand for single-family homes. Prices have risen moderately over the past few years due to limited inventory.

Cost of Living

Overall COL Index

105

US national avg = 100

vs National Avg

+5% above national average

Groceries

102

Transportation

Healthcare

100

Childcare/mo

$1000

Tax Rates

Tax Overview
Total Sales Tax	7.5%
Property Tax Rate	1.2%
<p>State 6% + County 1% + City 0.5%</p>

Pennsylvania has a flat income tax rate of 3.07%.

Family & Relocation

Family Vibe Score

6/10

Safety Index

Higher = safer

School Rating

6.5/10

GreatSchools avg

Avg Childcare

$1000/mo

City Pulse

Population Trend

+3% (growing)

Political Climate

Purple (mixed Republican/Democratic leanings)

Business Momentum

Moderate with key industries in healthcare, manufacturing, and logistics

Top Local Concerns

Affordable housing, infrastructure maintenance, school funding

🚌 Transit for Families

Public transit is limited; most families rely on cars, but sidewalks are generally well-maintained.

🎡 Top Kid Attractions

🎯
Chambersburg Memorial Park
🎯
Capitol Theatre
🎯
Caledonia State Park

Best Neighborhoods for Families

The Northwest and Southwest areas of Chambersburg are popular for families due to good schools and lower crime rates.

Household Budget Calculator

Estimate your real monthly cost of living in Chambersburg based on your household profile.

📰 Live Local News

Residents must obtain permits for home renovations and adhere to strict zoning laws.

Financial Tools

Calculators

Income Tax CalculatorEstimate take-home pay by state
Mortgage CalculatorMonthly payment estimator
Affordability CalculatorHow much home can you afford?
Childcare Cost EstimatorCompare daycare costs by city

Planning Tools

Retirement PlannerRetirement readiness check
Car Lease CalculatorMonthly lease payment estimator
Savings CalculatorGrow your emergency fund
City Comparison ToolCompare cities side by side

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📊 Chambersburg — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

💰 Median Household Income

$48,323

👤 Median Age

39.1

🏠 Homeownership Rate

42.8%

🔑 Renter Rate

57.2%

📉 Poverty Rate

13.5%

💼 Unemployment Rate

4.8%

📡 Internet Access

82.9%

🎓 College Educated

22.4%

☀️ Seasonal Utility Costs

Utility costs peak in winter due to heating needs, while summer sees moderate increases from air conditioning use.

🏛️ Local Tax Details

Key ZIP code level tax info: property tax millage rates vary by municipality, with Chambersburg borough having a slightly higher rate than surrounding townships.