Chambersburg, Pennsylvania Cost Of Living

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C+

Overall 6%

Goods & Services 2%

Housing 16%

Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Chambersburg	Pennsylvania	National
Cost of living	94	100	100
Goods & Services	102	102	100
Groceries	92	105	100
Health care	103	98	100
Housing	84	91	100
Transportation	91	105	100
Utilities	99	106	100

Key findings

The cost of living in Chambersburg is 6% lower than the Pennsylvania average
The cost of living in Chambersburg is 6% lower than the national average
Chambersburg housing is 16% lower than the national average
Pennsylvania general sales tax is 18% higher than the national average
Pennsylvania state income tax is 24% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$57,656	$4,805	$1,345	$1,730
Renters	$31,185	$2,599	$728	$936

A good indicator of the general affordability of housing in Chambersburg, PA, 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, the median monthly income is $57,656 for those who own their own homes. Under the standard rule, that income level would allow for $1,345 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $31,185, per the median income in the area. That would allow for renters to spend up to $728 on monthly rental expenses.

Pennsylvania Sales Tax

State	General Sales Tax	With Max Surtax
Pennsylvania	6%	8%

Pennsylvania Income Tax

State	Income Tax (Low)	Income Tax (High)
Pennsylvania	3.07%	3.07%

Goods & Services

Item	Chambersburg	National avg.	Difference
Haircut	$11.86	$20.27	41.5%
Beauty Salon	$26.98	$40.39	33.2%
Toothpaste	$3.61	$2.36	52.9%
Shampoo	$1.56	$1.08	44.6%
Movie	$11.25	$10.99	2.4%
Bowling	$16.22	$15.49	4.7%

Groceries

Item	Chambersburg	National avg.	Difference
Ground Beef	$4.20	$4.30	2.2%
Fried Chicken	$1.19	$1.40	15.2%
Milk	$1.93	$2.20	12.5%
Potatoes	$2.94	$3.22	8.7%
Pizza	$11.03	$10.74	2.7%
Beer	$10.60	$9.60	10.4%

Health Care

Item	Chambersburg	National avg.	Difference
Optometrist	$104.56	$109.73	4.7%
Doctor	$100.00	$118.34	15.5%
Dentist	$120.00	$100.94	18.9%
Ibuprofen	$10.21	$9.93	2.8%
Lipitor	$468.03	$469.53	0.3%

Housing

Item	Chambersburg	National avg.	Difference
Home Price	$156,700.00	$184,700.00	15.2%
Avg. Mortgage Payment	$1,112.67	$1,229.62	9.5%
Apartment Rent	$783.00	$949.00	17.5%

Transportation

Item	Chambersburg	National avg.	Difference
Gasoline	$2.66	$2.71	1.9%
Tire Balancing	$41.67	$51.86	19.6%

Utilities

Item	Chambersburg	National avg.	Difference
All Electricity	$173.03	$170.84	1.3%
Phone	$181.35	$187.18	3.1%

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	Population	Cost of Living Index	National Avg.
Newburg borough (Clearfield County), PA	93	79	20.8%
Rouzerville, PA	821	90	10.2%
Waynesboro, PA	10,764	91	9.2%
Fayetteville, PA	2,818	93	7.5%
Shippensburg, PA	5,529	93	6.5%
Chambersburg, PA	20,576	94	5.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Ypsilanti, MI	20,577	95	5.4%
South El Monte, CA	20,566	133	32.5%
Arvin, CA	20,562	99	1.4%
Union City, GA	20,560	89	10.9%
Sapulpa, OK	20,546	87	13.3%
Chambersburg, PA	20,576	94	5.8%

Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.