Chambersburg cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexChambersburgPennsylvaniaNational
Cost of living index97100100
IndexChambersburgPennsylvaniaNational
Goods & Services index10099100
Groceries index97102100
Health care index9090100
Housing index8893100
Transportation index100109100
Utilities index113115100
Here we can see a simple outline of the cost of living in Chambersburg, PA. As you can see, with the average cost of living in Chambersburg, PA being 97, that puts it 3% lower than the average of Pennsylvania and 3% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Chambersburg, PA, the price of goods and services are 2% higher than the average of Pennsylvania as well as equal to the nation's average.

Did you know?

  • The cost of living in Chambersburg is 3% lower than the Pennsylvania average.
  • The cost of living in Chambersburg is 3% lower than the national average.
  • The cost of housing in Chambersburg is 12% lower than the national average.
  • Pennsylvania general sales tax is 18% higher than the national average.
  • Pennsylvania state income tax is 38% higher than the national average.

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Salary Calculator

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Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Chambersburg, PA would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Chambersburg, PA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Chambersburg, PA salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$54,265$4,522$1,266$1,628
Renters$28,041$2,337$654$841
If you want to find a good determining factor for the cost of living and the general affordability of housing in Chambersburg, PA, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Chambersburg, PA, the median monthly income is $54,265 for those who own their own homes. Under the standard rule, that income level would allow for $1,266 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $28,041, per the median income in the area. That would allow for renters to spend up to $654 on monthly rental expenses.

Pennsylvania Sales Tax

StateGeneral Sales TaxWith Max Surtax
Pennsylvania6%8%

Pennsylvania Income Tax

StateIncome Tax (Low)Income Tax (High)
Pennsylvania3.07%3.07%
When you are determining the total cost of living in Chambersburg, PA you will want to make sure you consider both the Pennsylvania sales tax and the Pennsylvania income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Pennsylvania is 6%, with the highest surtax being 8%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Pennsylvania have a range from 3.07% to 3.07%.

Goods & Services

ItemChambersburgNational avg.Difference
Haircut $13.00$15.5616.5%
Beauty Salon $30.83$36.1114.6%
Toothpaste $2.25$2.479.0%
Shampoo $0.98$0.961.9%
Movie $9.11$10.1310.0%
Bowling $4.30$4.749.1%

Groceries

ItemChambersburgNational avg.Difference
Ground Beef $4.32$3.988.5%
Fried Chicken $1.46$1.413.8%
Milk $1.89$2.068.3%
Potatoes $3.49$2.9816.9%
Pizza $6.99$9.4726.2%
Beer $10.94$8.7924.4%

Health Care

ItemChambersburgNational avg.Difference
Optometrist $88.69$101.0412.2%
Doctor $92.98$107.4413.5%
Dentist $77.23$90.4214.6%
Ibuprofen $8.75$9.285.7%
Lipitor $437.76$426.502.6%

Housing

ItemChambersburgNational avg.Difference
Home Price $158,200.00$175,700.0010.0%
Avg. Mortgage Payment $1,023.97$1,133.239.6%
Apartment Rent $755.00$920.0017.9%

Transportation

ItemChambersburgNational avg.Difference
Gasoline $2.13$1.997.0%
Tire Balancing $38.58$45.7615.7%

Utilities

ItemChambersburgNational avg.Difference
All Electricity$170.91$163.814.3%
Phone $35.44$28.3924.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Newburg, PA12782-18%
Rouzerville, PA81793-7%
State Line, PA2,56293-7%
Orrstown, PA26995-5%
Waynesboro, PA10,67395-5%
Chambersburg, PA20,43097-3%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Corinth, TX20,43293-7%
Woodbridge, NJ20,43412424%
Pleasantville, NJ20,4361088%
Ashland, OH20,42182-18%
Farmington, UT20,4401077%
Chambersburg, PA20,43097-3%
Source: The Chambersburg, PA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.