| Index | Chambersburg | Pennsylvania | National |
| Cost of living | 101 | 97 | 100 |
| Groceries | 106 | 100 | 100 |
| Health care | 106 | 99 | 100 |
| Housing | 86 | 90 | 100 |
| Transportation | 109 | 101 | 100 |
| Utilities | 104 | 99 | 100 |
| Lifestyle & Entertainment | 110 | 100 | 100 |
| Household Items | 105 | 99 | 100 |
| Education & Childcare | 109 | 101 | 100 |
The cost of living in Chambersburg affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Chambersburg is 101, which is 1% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
The cost of living in Chambersburg aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, household expenses, health care and utility bills are priced at a level consistent with the average in similar urban areas. Chambersburg residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.
Is Chambersburg affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Chambersburg, for instance, where the median home price falls 14.5% lower than the national average, and monthly rent rates are 12.7% lower than usual. Additionally, median income levels contribute to the equation, with Chambersburg flaunting a median household income of $69,630, 14.4% lower than the national norm.
Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Chambersburg, the groceries index is 5.8% higher than the national average.
Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.
Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Chambersburg, the housing index stands at 14% lower than the national average.
The cost of living data for Chambersburg shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $94,414 | $7,868 | $2,203 | $2,833 |
| Renters | $59,702 | $4,975 | $1,393 | $1,791 |
| State | General Sales Tax | With Max Surtax |
| Pennsylvania | 6% | 8% |
| State | Income Tax (Low) | Income Tax (High) |
| Pennsylvania | 3.07% | 3.07% |
| City | Population | Cost of Living Index | National Avg. |
| Shippensburg University, PA | 1,948 | 107 | 6.9% |
| Newburg borough (Clearfield County), PA | 96 | 85 | 15.0% |
| Rouzerville, PA | 768 | 93 | 6.6% |
| Orrstown, PA | 350 | 97 | 3.1% |
| Shippensburg, PA | 5,760 | 97 | 3.0% |
| Chambersburg, PA | 21,603 | 101 | 0.6% |
| City | Population | Cost of Living Index | National Avg. |
| Covington, WA | 21,603 | 139 | 38.6% |
| Brambleton, VA | 21,606 | 165 | 65.2% |
| Ashland, OR | 21,633 | 140 | 39.6% |
| Florida Ridge, FL | 21,634 | 102 | 1.8% |
| Sun Valley, NV | 21,634 | 104 | 3.7% |
| Chambersburg, PA | 21,603 | 101 | 0.6% |
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